vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-08 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: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: FL

Complaint narrative:
First let me say this complaint and Experians response will be used as evidence in my lawsuit against Experian. It will also be sent to the California Attorney Generals Office to serve as evidence that Experian is knowingly and willfully aiding and abetting in a crime. In Florida it is a crime for a collection agency to attempt to collect a debt from a Florida resident if that agency is not licensed in Florida as a consumer collection agency. This law applies to all collection agencies rather they are located in Florida or not. The Florida attorney Generals office has legal authority to prosecute any company that violates this law regardless which state the company is located in. XXXX XXXX XXXX XXXX does not have a Florida consumer debt collection license nor do the meet the legal exemptions. XXXX XXXX XXXX XXXX is committing a crime by trying to collect a debt from me. ( I live in Florida ). Experian is aware of this crime and knowingly and willfully allowing XXXX XXXX XXXX XXXX to use their ( Experian ) Platform in furtherance of this crime. This is no different, for example, if XXXX knowingly and willfully allowed someone to engage in the crime of prostitution on their platform. XXXX is a crime and XXXX would be held legally accountable for their role in that crime. XXXX XXXX XXXX is also committing a crime and Experian is aware of this crime and chooses to allow XXXX XXXX XXXX XXXX to continue in furtherance of this crime by allowing XXXX XXXX XXXX XXXX to use Experian Platform in furtherance this crime. I have reported this crime that Experian is committing to the CA Attorney Generals office. Let this complaint serve as evidence that Experian is not only aware of XXXX XXXX XXXX crime but they are also allowing XXXX XXXX XXXX XXXX to use their ( Experian ) platform in furtherance of this crime. I filed an earlier complaint against Experian, using the CFPB PortaXXXX, and made Experian aware of this crime that XXXX XXXX XXXX XXXX is committing. I even provided evidence to Experian that proves that XXXX XXXX XXXX is committing a crime. Despite this Experian willfully and knowingly allows XXXX XXXX XXXX XXXX to use their ( Experian ) platform in furtherance of this crime. This makes Experian guilt of aiding and abetting in a crime.

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 2021-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
Wire Transfer number is XXXX First of all, XXXX is the one individual that has given me any sort of answer so she has been doing a great job. I sent a international wire to XXXX XXXX ( Wife ) in XXXX for XXXX Euros. It was sent out on XX/XX/2021 but the individual did not do it right because it was never sent. Then Sent a new wire on XX/XX/2021. On XX/XX/2021 I found out that XXXX stopped the wire and had some questions for me. Answered the first 4 questions that day and on XX/XX/2021 I answered two more. Now it is XX/XX/2021 and according to my bank my funds were released but still have not moved. I need this money to purchase a car which I need for work so I can feed my family. No one gives me a clear answer besides XXXX and we are approaching a month for this transfer and I am at the mercy of someone pressing a button to allow my funds to go through. 

My legal name is XXXX XXXX XXXX. I was born in XXXX California and served in the XXXX XXXX for 6 years. I have no affiliation with the XXXX that I had a partial match on the XXXX list. I just want my money so I can function in a country I just moved too. Please I need assistance to get this resolved

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: GA

Complaint narrative:
The Collection Company They committed more than 1 violation, 15 U.S. Code Sec 1692g Validation of debts, They didn't provide me with the 5 things that constitute to validating the debt and even that's not validation because if they send me that, It is an allegation unless I agree.15 U.S. Code Sec 1692i ( a ) and ( b ) and I can keep counting on violations.

I have never give them a written consent ( 15 U.S.C Sec 1681b ( a ) 2 ) to furnish anything in my credit report agency, specially a alleged debt that is not mine.

I have disputed the alleged collection with XXXX and Equifax several times, and they have failed to verified. How can they verified if the collection company cant even validate this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
An impostor opened a XXXX XXXX account using my credentials in New Jersey fraudulently from XX/XX/XXXX to XX/XX/XXXX and I have been living in Florida for the past 22 years. I became aware of the issue through my Visa credit card provider and I alerted XXXX and provided agent XXXX @ XXXX on XX/XX/XXXX all the information that I could, to prove that it was a fraudulent account that was opened without my knowledge. But they refused to correct the problem and submitted my case to a collection agency on XX/XX/XXXX. 

I was repeatedly contacted by Southwest Credit Systems ( debt collection agency ) and so I paid off the {$120.00} charge to stop the harassment. 

Please I need help to remove this negative collection issue from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
I received a loan which I learned to be a PREDATORY LOAN from Santander on XX/XX/2019. I decided to look to see if all was true and come to find out... they have only counted under {$400.00} as paid and I've paid over {$4000.00}. A massive lawsuit has happened and I feel they gave me a predatory loan and I want loan forgiveness, a waiver of deficiency for my title release to me and my credit report to not be harmed by them. They know my internal score was too low for the predatory lending they was offering. I need help urgently as a XXXX single mother struggling to now pay my car payments and they denied me extra time. Please help me; please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stern Recovery Services, Inc.
State: NC

Complaint narrative:
Medical debts are not allowed to be reported with out my consent hippa law violations will sue if these debts are not removed from my account/account never belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
As recorded in the XXXX XXXX Florida on XX/XX/XXXX, Page XXXX, XXXX XXXX, I received an Assignment of Mortgage stating that XXXX had assigned my mortgage over to " XXXX XXXX XXXX XXXX XXXX XXXX '' ( See attachmemt ). 

There is a company by the name of " Carrington Mortgage '' that has been placing information on my 3 credit reports ( XXXX, XXXX and XXXX ) and stated the account was opened with them on XX/XX/XXXX. ( I'VE NEVER HAD A MORTGAGE WITH CARRINGTON MORTGAGE NOR WAS I EVER OFFICIALLY NOTIFIED ) that " Carrington Mortgage '' was assigned to or servicing my mortgage. My original mortgage was with XXXX and as the attached document states it was then " Assigned to XXXX XXXX XXXX XXXX XXXX XXXX '' ( see attachment ) Per XXXX XXXX FL XXXX records back on XX/XX/XXXX XXXX XXXX, Page XXXX there is a recording of my " Home Affordable Modification Agreement '' that we completed with " XXXX XXXX XXXX XXXX '' ( see attached ). NOT AT ANY TIME HAVE I EVER RECEIVED ANY OFFICIAL OR UNOFFICIAL NOTICE FROM XXXX XXXX XXXX THAT MY MORTGAGE WAS ASSIGNED TO OR BEING SERVICED BY " CARRINGTON MORTGAGE ''. Dealing with this " Home Affordable Modification '' was a rip off all by itself which is a seperate issue. Under this program, our original mortgage was only $ XXXX and when they finished, we had a new loan of approx XXXX. ( see attached documents ). 

CARRINGTON MORTGAGE IS STILL REPORTING ON MY CREDIT TODAY AND MY HOME IS SOLD AND WAS SOLD XX/XX/XXXX AND THE SATISFICATION AND RELEASE OF MORTGAGE WAS RECORDED IN THE XXXX XXXX FL RECORDS ON XX/XX/XXXX, PAGE XXXX, XXXX XXXX ( SEE ATTACHED ). 

FROM THE YEAR XXXX UNTIL XXXX " CARRINGTON MORTGAGE '' HAS REPORTED INACCURATE LATE PAYMENTS ON MY CREDIT REPORTS AND THEY charged me XXXX for each online mortgage payment and {$10.00} to {$20.00} for payments made by phone. These pay-to-pay fees are a violation for both consumers mortgage agreements and Florida debt collection law XXXX Carrington marks up the processing fees charged to borrowers for online and phone payments in direct violation of their mortgage agreements. The case goes on to claim that as a Federal Housing Association-approved mortgage servicer, Carrington agreed to charge borrowers only fees permitted by the Secretary of Housing and Urban Development XXXX Per the lawsuit, pay-to-pay fees are not included in HUDs exhaustive list of authorized servicing fees and charges. Moreover, HUD specifically prohibits mortgage servicers from charging borrowers for costs of telephone calls, telegrams, personal visits with the Borrower, certified mail, or other activities that are normally considered a part of a prudent Mortgagees servicing activity, the suit continues. 
The lawsuit alleges violations of Floridas Consumer Collection Practices Act and Deceptive and Unfair Trade Practices Act, as well as breach of contract and unjust enrichment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING LATE ACCOUNTS ARE STILL FOUND AND NEED TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX {$0.00} XXXX XXXX  XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: NJ

Complaint narrative:
I have these accounts that are not mine adn iwant them to be removed. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
Medical debts are not allowed to be reported with out my consent hippa law violations will sue if these debts are not removed from my account/account never belong to me

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 2021-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I recently file a dispute against Synchrony Bank ( Care Credit ) because it has been reported incorrectly on my credit report. On XX/XX/2021 I can to an agree on a debt settlement amount with XXXX XXXX XXXX the third party collection agency that Synchrony transferred my account to. The settlement amount agreed to was {$5100.00}. The payment was drafted in two separate transactions due to the amount. 
Synchrony bank then report on my credit report that a payment was made to my account on XX/XX/2021 which was a lie. The debt was settled on XX/XX/2021.

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 2021-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Agency of Credit Control
State: CO

Complaint narrative:
Iv requested with several certified letters to validate the debt. this debt still remains on my credit report. I'm requesting validation of the debt and a copy of my HIPPA compliance form.. i paid them on payments over phone and scheduled. I requested relief under COVID due to my unemployment issues, and receiving unemployment, receiving and currently receiving XXXX Under the fair credit act, A Summary of Your Rights Under the Fair Credit Reporting Act Iam entitled to a free file disclosure if : Iam on public assistance ; and have been on unemployment, i requested removal of these items during these times of assistance and continue to request the closure, i'm currently homeless in a financial burden and life crises at the moment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: NC

Complaint narrative:
They are charge off accounts on all 3 of my credit reports please see attached credit reports to show the accounts with balances that are not mine I should only have a mortgage and closed paid as agreed credit card accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: NJ

Complaint narrative:
XX/XX/XXXX VALIDATION OF PROOF AND SUPPLY FOR BANKRUPTCY TO ALL THREE CRA 'S ( proof of exact letter sent and certified mail dates will be attached ) XX/XX/XXXX XXXX XXXX FREEZE OF REPORT ( proof of exact letter sent and certified mail dates will be attached ) XX/XX/XXXX XXXX LETTER TO ALL THREE CRA 'S ( proof of exact letter sent and certified mail dates will be attached ) XX/XX/XXXX FRCA VIOLATION TO ALL THREE CRA 'S ( proof of exact letter sent and certified mail dates will be attached ) XX/XX/XXXX WARNING TO FILE CFPB COMPLAINT ( proof of exact letter sent and certified mail dates will be attached ) The above listed are the dates in when certified letters were sent out to validate how the credit reporting agencies obtain public record information. In doing so they have reopened accounts that were already included in the bankruptcy. 

Proof of what each letter stated will be provided for the investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have been trying to correct this issue for several years now. It is My understanding that the reason I have never had a credit score is due to the information that was reported at some point in time by an unknown source, to the Credit bureaus, stating I am deceased. Unfortunately I have no information that pertains to this matter, leaving me without a score even though I have 1 unknown delinquent account that for whatever reason I am not able to get corrected by Experian, as I have disputed this twice now and both times Experian provided no resolution or anything other than I can no longer dispute it after 2 attempts. I have 1 credit card that is my husband 's account with me as authorized user in order to generate history and a score. No score is negatively affecting me and being deceased is the only option left. However it does not show me who or how to fix. Please help

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 2021-09-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
My sons student loans were done via sallie Mae/federal student loans site. At some point they were transferred to Navient for servicing. I have recently noticed that they are listed as private loans and not federal loans. We never applied or dealt with any banks, credit unions or other financial institutions.I have no idea when or how this happened but I did not understand the significance of the loan type until recently. My son was approved for covid forbearance ; however, the latest extension applies only to federal loans. We would like his loan type corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: NC

Complaint narrative:
They are charge off accounts on all 3 of my credit reports please see attached credit reports to show the accounts with balances that are not mine I should only have a mortgage and closed paid as agreed credit card accounts

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 2021-09-08 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: MI

Complaint narrative:
I have written to all 3 of the major Credit Bureaus several times with concerns of inaccurate reporting on my credit file. After several attempts to rectify the issue directly with the Bureaus I feel it is time I escalate the issue as I am not seeing satisfactory results or nearly any results at all.

There are at least 3 different accounts being illegally reported that have negatively impacted me and my ability to acquire credit as a consumer.

As you will see in supporting documents Experian is inaccurately reporting 2 of the 3 accounts mentioned and when I reach out requesting an investigation they either don't respond at all or claim to have either verified or updated the accounts but that couldn't possibly have taken place because they are STILL reporting inaccurately! For instance, there is an account with an Agency called XXXX XXXX XXXX reporting as a charge-off on all 3 Bureaus but there's also recent payments being reported. How can an account that was charged-off be active? All 3 Bureaus are intentionally allowing this company to report false information which is a direct violation of my consumer rights per the FCRA. Experian is also falsely reporting an account with an Agency called XXXX XXXX that I have NEVER had an account with. They clearly did NOT investigate this matter although I requested them to do so several times. 

Both XXXX and Experian have been illegally reporting an account with an Agency called XXXX XXXX XXXX that I have NEVER had an account with claiming they have verified it. I wonder how that is and even XXXX wasn't able to verify the alleged debt with the Agency. They are once again violating my rights by illegally reporting inaccurate information.

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 2021-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
XXXX waived debt due to moving in regards to COVID-19 and they refused to take back equipment when offered so debt is not valid. 


The collection company intentionally broke their website to make it harder for me to dispute debt within 30-days. 

XXXX XXXX XXXX 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 2021-09-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MoneyLion Inc.
State: NC

Complaint narrative:
Still reporting to the credit bureaus that account is in collections when they closed the account off due to fraudulent obtained.

Company response to consumer: Closed with explanation