vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-09 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: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
In XXXX of XXXX I received communication regarding a settlement with the Creditor ( Santander ) that stated between XX/XX/XXXX and XX/XX/XXXX the company violated consumer protection laws by making auto loans accessible to borrowers who were likely to default on those loans and due to this settlement Santander is required to forgive the remaining balance on my loan and also required for the loan to be removed from my credit reports. I have sent in multiple communications with little to no response from the company. They previously advised this should be removed but nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: National Credit Adjusters, LLC
State: IL

Complaint narrative:
I am writing this complaint in regards to disputes that were sent over 45 days ago regarding inaccurate and erroneous information reporting on my credit file. These disputes were sent to XXXX XXXX, Equifax, Experian, XXXX XXXX XXXX, XXXX, XXXX XXXX, National Credit Adjusters and XXXX XXXX XXXX XXXX XXXX XXXX. 

They all have failed to respond and comply with my request under the FDCPA and FCRA laws. I am very disappointed at their lack of effort to investigate this matter. I understand and are aware of my rights to request another investigation, however I do not have another 30 days to spare for investigative results. 

I am in the process of moving, and I have to find a place within two weeks and this is really affecting my ability to get approved for a home loan and even a rental apartment. 

If you can expedite this request to look into this matter for me, I would really appreciate it. 

Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
When I initially signed up for short term mortgage forbearance Wells Fargo told me the deferred amount could be added to the back end of my loan without modification to existing terms. When I called to speak with someone about repayment terms I was told my only options are to pay back the full amount or obtain a floating fha loan. I did not agree to forbearance under these conditions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
( PARAMOUNT RECOVERY SYS ) at XXXX XXXX XXXX XXXX XXXX, TXXXXXXXXX XXXX has been sending me collection notices in the amount of ( {$180.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I received a XXXX loan for my business which was deposited into my checking account with Capital One Bank they froze my account saying that I am not entitled to my loan which was two deposits the first drawer was XXXX on XX/XX/XXXX the second drawer was deposited on XX/XX/XXXX for the amount of XXXX. They have since told me the funds are going to be sent back in which they have taken XXXX for a SBA grant received in XX/XX/XXXX and I have no idea where those funds went and they will not tell me. I know have XXXX in my bank account they are holding and drawing interest on. I reached out to the lender where the funds came from and they have advised me that they funds are mine and there is no way that the bank is going to return the money to them it is almost 2 months since that have frozen my account. I need what is rightfully mine the bank needs to be dealt with. 

Thanks, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I currently have bankruptcy on my credit report. All but two accounts showing has been put in an bankruptcy Experian continues to violate a court ordered bankruptcy. 90 % of what Experian is reporting and leaving on my credit report is in the bankruptcy and inaccurate false reporting keeping my scores low since 2018! I have disputed multiple accounts numerous times and providing the proof from their own records! 
XXXX XXXX Flagged my credit report indicating a bankruptcy. Experian was well aware the account was a part of a court order bankruptcy. 
Experian continues to have this showing and reporting derogatory ratings. After disputing nothing is removed and corrected. Violating the court order bankruptcy. 2+ years! 

Experian continue to report hard inquiry showing HIGH RISK LEVEL. It clearly states hard inquiry falls off at two years. Its almost 3 years! 
I will attach all the inaccuracies in the screenshot pictures Ive taken. 

I am applaud at the fact I was denied the chance to rebuild my credit do too the fact Experian refuse to properly report. Purposely taking accounts that are in a bankruptcy and use it against me twice. After being notified and properly disputed lots of accounts providing documents about the issue, Experian refuse to remove the active bankruptcy accounts allowing all these accounts to completely ruin my entire report! I went 3+ years trying to recover from losing my home and everything I worked hard for very very minimum inquiries, no new debt and able to pay the outstanding utility bill. Only to find out the massaive damage Experian had caused to my credit report and scores. 

Experian has done this on purpose its no mistake. Because even after notifying Experian providing solid proof all of the accounts, hard inquiry and derogatory reporting remained. if that wasnt bad enough Experian continue to falsify and edit dates turning 3+ year old bankruptcy debt into new and current accounts that are seriously late, past due, high risk etc. I couldnt get a vehicle and Ive been wrongly denied credit because of this. 

I plan on pursuing the company for damages. Bankruptcy court will be notified of how Experian aggressively used bankruptcy debts to severely damage my credit profile. Violating my consumer right to fair reporting. 

I have attached screenshots of the damages. 

I do not deserve to be treated this way. And plan to make all the information public do others will know Experian is damaging your credit profile keeping your scores very low even youve done everything right.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: CCS Financial Services, Inc.
State: IL

Complaint narrative:
I am writing this complaint in regards to disputes that were sent over 45 days ago regarding inaccurate and erroneous information reporting on my credit file. These disputes were sent to XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. 

They all have failed to respond and comply with my request under the FDCPA and FCRA laws. I am very disappointed at their lack of effort to investigate this matter. I understand and are aware of my rights to request another investigation, however I do not have another 30 days to spare for investigative results. 

I am in the process of moving, and I have to find a place within two weeks and this is really affecting my ability to get approved for a home loan and even a rental apartment. 

If you can expedite this request to look into this matter for me, I would really appreciate it. 

Thank you in advance.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I, consumer XXXX is being violated by Transunion and XXXX. These credit reporting agencies has added account XXXX from XXXX XXXX to my credit report. Fact, According to 15 U.S. Code 1681a ( d ) ( 2 ), a consumer report does NOT include - ( A ) any - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. This is the first violation that was committed. You willingly and knowingly reported accounts that is solely as to transactions and experiences between I, the consumer, and the person making the report. Fact, According to the law, that is suppose to be excluded from the credit report. 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( iii ), communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons. I was never given an opportunity to give my consent before the initial communication. Fact, According to 15 US Code 1681a ( e ), a credit reporting agency may not include any specific factual information on my credit report record that was obtained directly from any creditor or from me, which is exactly what has happened already. They have including specific factual information on my credit report, which is a violation. Fact, According to 15 US Code 1681a ( d ) ( 2 ) Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Transunion and XXXX  has violated 15 UC Code 1681a by placing a credit card on my credit report, which is suppose to be excluded.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
A month ago I disputed inaccurate information being reported by XXXX XXXX XXXX. I send proof that different this was getting reported. The credit bureaus didn't even look into it. they just said account was verified. My account was never charged off and the payment history is incorrect. You can see alot of inaccurate information from the proof I sent in

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-09 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: Financial Data Systems
State: NC

Complaint narrative:
Account # XXXX XXXX XXXX {XXXX} SEE ATTACHED Greetings, This is a formal complaint against Financial Data Systems Inc for furnishing information to XXXX XXXX, and XXXX. Please note that this company has over 800 complaints that are active with the Consumer Financial Protection Bureau. Additionally, this company has 41 complaints with the XXXX XXXX XXXX. This company has fraudulent behavior and I demand that these accounts be removed from all three credit reporting agencies which include XXXX XXXX XXXX XXXX  The actions of Financial Data Systems Inc violate the FDCPA, FCCPA, FCRA, Libel/Defamation, and Invasion of Privacy of the FCRA. In addition, it is negligence and willful intentional infliction of emotional distress against the Complainant. The following documents submitted outline the unlawful conduct and actions of Financial Data Systems Inc in their question to damage my credit standing based on XXXX XXXX XXXX motivation and retaliatory tactics for filing a complaint against Financial Data Systems Inc with the North Carolina Office of Financial Regulation. Financial Data Systems did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above-named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file a suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage response from you expeditiously. 

Please review the following attachments. 


Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd
State: FL

Complaint narrative:
NATIONWIDE RECOVERY SY ) at ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) has been sending me collection notices in the amount of ( {$340.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Pursuant to FDCPA 1692c ( c ) ( 2 ) I am invoking my specified remedy as the consumer, and as the original creditor, I am demanding the following Pursuant to FDCPA 15 USC1666b TIMING OF PAYMENTS- Remove the 4 missed payments on my XXXX XXXX XXXX credit card ending in 9513. This is an open ended credit card. Pursuant to 15 USC 1692j, XXXX, Transunion, XXXX, and XXXX XXXX XXXX are in violation. They are furnishing deceptive forms on my consumer report. Pursuant to 15 USC 6821, this is violating my customer privacy rights. Pursuant to 15 USC 6823, they are all eligible for criminal penalties. Pursuant to 18 USC 3571 ( c ), they are all eligible for federal fines. Pursuant to 15 USC 1692d, this is harassment and abuse upon my life.

If this is not removed, I will be invoking my monetary remedy pursuant to FDCPA 15 USC 1692k, in addition to criminal penalty under 18 USC 3571.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Pursuant to FDCPA 1692c ( c ) ( 2 ) I am invoking my specified remedy as the consumer, and as the original creditor, I am demanding the following Pursuant to FDCPA 15 USC1666b TIMING OF PAYMENTS- Remove the 4 missed payments on my XXXX XXXX XXXX credit card ending in 9513. This is an open ended credit card. Pursuant to 15 USC 1692j, Experian, XXXX, XXXX, and XXXX XXXX XXXX are in violation. They are furnishing deceptive forms on my consumer report. Pursuant to 15 USC 6821, this is violating my customer privacy rights. Pursuant to 15 USC 6823, they are all eligible for criminal penalties. Pursuant to 18 USC 3571 ( c ), they are all eligible for federal fines. Pursuant to 15 USC 1692d, this is harassment and abuse upon my life.

If this is not removed, I will be invoking my monetary remedy pursuant to FDCPA 15 USC 1692k, in addition to criminal penalty under 18 USC 3571.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-09 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Pursuant to FDCPA 1692c ( c ) ( 2 ) I am invoking my specified remedy as the consumer, and as the original creditor, I am demanding the following Pursuant to FDCPA 15 USC1666b TIMING OF PAYMENTS- Remove the 4 missed payments on my XXXX XXXX XXXX credit card ending in 9513. This is an open ended credit card. Pursuant to 15 USC 1692j, XXXX, XXXX, Equifax, and XXXX XXXX XXXX are in violation. They are furnishing deceptive forms on my consumer report. Pursuant to 15 USC 6821, this is violating my customer privacy rights. Pursuant to 15 USC 6823, they are all eligible for criminal penalties. Pursuant to 18 USC 3571 ( c ), they are all eligible for federal fines. Pursuant to 15 USC 1692d, this is harassment and abuse upon my life.

If this is not removed, I will be invoking my monetary remedy pursuant to FDCPA 15 USC 1692k, in addition to criminal penalty under 18 USC 3571.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I applied for a studio apartment and the property manager ran a background/credit check that I paid {$45.00} for. The results came back that my risk credit score is XXXX which is surprising since I have a credit score of XXXX with Experian. This company called XXXX let me know that there is a difference between risk credit score and a regular credit score. They also told me that they do not calculate it but that Experian does. 
I tried calling Experian but I can not get through to a live person. 
I need to know why my risk credit score is XXXX which is XXXX points below my credit score. Is this risk credit score even correct?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I, the consumer want to file a complaint on Equifax XXXX. XXXX XXXX, XXXX, GA, XXXX. My complaints on Equifax are that they are violating and undermining my consumer rights according to Laws stated by Congress. 

1st Violation. 
I did not give Equifax the permission to furnish any of these accounts listed. The accounts below are being reported on my credit without my consent nor instructions pursuant to 15 USC 1581b ( a ) ( 2 ). That includes factual information, or transaction history. 

2nd Violation 15 USC 1681 ( a ) ( 4 ) my right to privacy is being violated. 

3rd Violation According to 15 USC 1681 ( a ) ( e ) you have to do interviews with my family, associates, neighbors do validate a debt. They did not perform any of the sorts. They told me over a recorded line that they didn't have to follow that law for validating a law. 

Fact, please show good faith in this matter by expediting this process of having Equifax remove the items listed on your their site in order to avoid me receiving further injury, damages, mental anguish, and losses due to Equifax violating my right to privacy and not having my consent for reporting these particular items on my consumer report. 

XXXX  - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX P.S : XXXX  and XXXX  have already removed these accounts that are reporting on my consumer report. Equifax is the only reporting agency that is giving me problems and damaging my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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 — Problem with personal statement of dispute
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
Are you the original creditor? 
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Company response to consumer: Closed with explanation