vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Equifax XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, GA XXXX Date : XX/XX/2021 XXXX : XXXX Dear Credit Representative : I am disputing the account stated above. Previously, I disputed this account information as being inaccurate, you have failed to verify that this is indeed my debt. 

I enclosed copies of my requests asking them to validate the debt. I was given no evidence of my obligation to pay this debt to this collection agency. This debt is not mine. 

The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. 

In the event that you can not verify the item pursuant to FCRA, and you continue to report it on my credit, I will find it necessary to sue you for actual damages and declaratory relief. According to FCRA regulations, I may sue you in any qualified state or federal court, including small claims court in my area. 

I look forward to a swift and amicable resolution to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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 — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
I've been disputing these charges for over a 5 years, the charges were made in Texas when I live here it is effecting my father XXXX XXXX and my XXXX XXXX credit and I'm a young man trying to purchase a home. We've possibly determined that my brother may have used my card unfortunately he passed away last XX/XX/2020 from XXXX XXXX due to XXXX  XXXX which has been very traumatic for my family. I did not make these charges and would ask that it be removed from my credit bureau and my father 's. Our lifes have been turned upside this passed year and I'm trying to move forward from this grief. 

Thanks for your time and understanding 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 2021-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX XXXX, GA XXXX Date : XX/XX/2021 XXXX : XXXX Dear Credit Representative : I am disputing the account stated above. Previously, I disputed this account information as being inaccurate, you have failed to verify that this is indeed my debt. 

I enclosed copies of my requests asking them to validate the debt. I was given no evidence of my obligation to pay this debt to this collection agency. This debt is not mine. 

The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. 

In the event that you can not verify the item pursuant to FCRA, and you continue to report it on my credit, I will find it necessary to sue you for actual damages and declaratory relief. According to FCRA regulations, I may sue you in any qualified state or federal court, including small claims court in my area. 

I look forward to a swift and amicable resolution to this matter. 

Sincerely,

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 2021-02-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, GA XXXX Date : XX/XX/2021 Re : XXXX Dear Credit Representative : I am disputing the account stated above. Previously, I disputed this account information as being inaccurate, you have failed to verify that this is indeed my debt. 

I enclosed copies of my requests asking them to validate the debt. I was given no evidence of my obligation to pay this debt to this collection agency. This debt is not mine. 

The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. 

In the event that you can not verify the item pursuant to FCRA, and you continue to report it on my credit, I will find it necessary to sue you for actual damages and declaratory relief. According to FCRA regulations, I may sue you in any qualified state or federal court, including small claims court in my area. 

I look forward to a swift and amicable resolution to this matter. 

Sincerely,

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 2021-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Today XX/XX/2010 ; XXXX XXXX  on a call with Quicken Loan representative XXXX XXXX ( my not be correct spelling ), I indicated numerous times that I am interested just in getting a range of mortgage rates for the scenario that I have and he stated the range is 3 % And I made many comments that he is not authorized and quicken loans have no authorization at this time to pull my credit, because I am aware of the impact on my credit report. I mentioned to him I am a banker and know the impact please know that you can not pull my credit report. 
After giving me a range of 3 % and continually telling me pulling my credit will have no impact, I responded No do not pull my credit under no circumstances. 
As soon as I hung up I received notification that quicken loan just has pulled a hard pull on my credit. 
For the last hour trying unsuccessfully get this issue reversed with XXXX/ the person whom I spoke does not pick up the call and other representatives are telling me that they did not pull my credit, meanwhile I have credit report reflecting it. 
XXXX XXXX dose not have an option on line to dispute and phone calls ends in a chain of That has no such an option

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have provided my driver license and social and recent bill. 


Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be deleted 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 2021-02-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I have a first and second note with Specialized Loan Servicing. I was able to get my first loan modification on my first loan and I am presently current but the second loan of {$140000.00} I have not tried to negotiate with the second because I am able to afford to pay for the first and that is why I did not intend to accept a modification because I was not able to afford another payment. Also I never knew that a second lien can be able to Foreclosed I was informed that it will be in my credit report and that I had an option to settle for a lesser amount of the debt.. I did offer them back then like in 2 years ago the amount of {$13000.00} but they denied the settlement, they just wanted to offer a loan modification. I am now getting notices that I will be Foreclosed I am in shock because as I mentioned I did not know that they are really Foreclosing on me when I am paying the first laon and I am current, and how can they Foreclosed on a Family that has been making payments on the Primary loan and the second loan is the lesser amount than the first and the Second is now Foreclosing on me. I am very surprised that the lender that has been receiving my payments every month since I was modified in 2018 I have not missed a payment and always on time and now the second loan is capable to just take away my Family roof. Why the Primary Loan is not able to stop this process agains our home. I called Specialized Loan Servicing and they said I can not get any type of help due that I am less than 30 days from the Foreclosure date and a Loan Modification is not an option, only to Reinstate my loan. How would they think I can come out with {$42000.00} to pay them to stop the Foreclosure. Please help me find a solution to save my home.

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 2021-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Affiliated Management Services
State: MO

Complaint narrative:
I was contacted by a family member that the company Affiliated Management Services had called her on XX/XX/2021 at around XXXX attempting to reach me in regards to a debt I was unaware of. My complaint is that this company disclosed information about the debt to the caller without verifying any information from this person or me. This clearly is in direct violation of the FDCPA and will also be consulting an attorney in regards to this unauthorized disclosure of information to an unauthorized 3rd party.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: FL

Complaint narrative:
Ace cash has use lawyers to contact me and family members i put on my app about this payday that I was not able to repay and have spoke me on the phone about being taking to court and just today XX/XX/21 they use a law firm and others to contact me and a film to call my family so my question, if I can't pay this can they keep calling and calling family members on a payday loan, that not even banks does that to people so why are they allow to do this please let me know what my best way to handle this since im not able to pay ... and if I feel threaten by this what should I do and who do you contact to really make a difference with what is being done ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This account is the result of identity theft that was carried out by my mother. I have discovered that she had been opening accounts in my name for nearly 20 years. Though I do not know when this started, the first fraudulent account was opened in XXXX of XXXX. The latest was opened XX/XX/XXXX. I have a special needs condition and that is how my mother was able to use my information without me knowing. Now that she has passed, I am trying to clear these fraudulent accounts from my credit report. So far accounts are being removed, but Capital One refuses to remove the 2 accounts. I have completed an ID theft affidavit that was notarized, and police report because that's what was recommended to me. I then sent this to the credit bureaus and the companies directly in XXXX of this year. Capital One claims they found no signs of fraud and they will not remove the accounts. After everything I provided them, they still refuse to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: SC

Complaint narrative:
I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2020, it has now been months since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: AL

Complaint narrative:
THESE ACCOUNTS ARE INCORRECTLY BEING REPORTED ON MY PROFILE. I DONT HAVE ANY MISSED PAYMENTS. THESE MISSED PAYMENTS ARE CAUSING ME HARDSHIP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: AL

Complaint narrative:
THIS ACCOUNT WAS SUPPOSED TO BE REMOVED. I PAID THIS ACCOUNT AND ITS STILL ON MY PROFILE. I AM TRYING TO BUY A HOUSE AND THIS PAID COLLECTION ACCOUNT IS CAUSING ME AND MY FAMILY HARDSHIP There are several inaccuracies on my report that I didn't authorize these accounts, violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character. 

Transaction Details -- -- -- -- -- -- -- -- -- -- -- - Date : XX/XX/21 XXXX Merchant : XXXX - XXXX Type : Credit Card Sale Invoice # : XXXX Amount : XXXX Description : XXXX XXXX Credit Card Holder : XXXX XXXX XXXX Card Number : XXXX ITS REPORTING AS XXXX XXXX XX/XX/21 {$800.00}

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 2021-02-23 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: WA

Complaint narrative:
I started a dispute regarding legal first and middle name change due to XXXX XXXX on XX/XX/2021 with Equifax via fax and later online. Across 7 attempts to properly provide the required documents I have been declined 5 times. I did at one point receive a confirmation of a successful change, but credit report shows that to not be true. I have one outstanding investigation to be completed by XX/XX/2021 and an agent confirmed the dispute had all required information and should be done quickly, but no progress after 3 weeks. I was informed there is no escalation available to me, I simply had to try again, and can not speak to the investigating agents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: IL

Complaint narrative:
I have disputed my issue with the XXXX original debtor that claims I owe this debt of {$1100.00} for a cell phone. XXXX sold the account XXXX XXXX in XXXX. Thanks to CFPB the accounts were removed from all three bureaus. Now the account has returned under XXXX XXXX XXXX a complete new name. They can not produce any recordings or my picture ID or wet signature they just keep re-selling the account from collection agency to collection agency. For the same debt I have sent my ID and SS #. Again in XXXX same account no proof of burden and brand new collection agency. If they have so much proof that the account belong to me. Why then was the account removed from all three bureaus and re-sold again. And here we are again in XXXX once again the file has re- appeared on my credit file under a new name Enchance Recovery COL This company does not even own the file and they are trying to collect from me a debt that is not owed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: American First Finance, Inc.
State: IL

Complaint narrative:
I opened an account with American first finance back in XX/XX/XXXX I was told on XX/XX/XXXX of XXXX that my last payment has been posted and that they would be reporting to the credit bureau that the account has been paid off it is now XX/XX/XXXX and it still showing as delinquent on my account I have contacted them several times and made multiple attempts to have them send me the original contract showing at the balance was paid off they have not met any of my demands and I am furious trying to deal with them

Company response to consumer: Closed with explanation