vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX MIDLAND CREDIT MANAGEM XXXX Your company have violated FCRA 615 ( f )

( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MIDLAND CREDIT MANAGEM XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Hello! I am disputing a Capital One credit card debt that is on my credit report and that does not belong to me. I was underage at the time of this activity and had no previous knowledge of this. On XX/XX/2021. I disputed the information with all 3 companies of the credit bureau. XXXX, XXXX, and XXXX. Only one company XXXX  has resolved this item all other companies are still reporting inaccurately and is still on my credit report. I sent a copy of my birthdate by current ID. That proves I was well underage at this time. XXXX  sent notice back on XX/XX/2021 stating the account was accurate without any proof of accuracies. On XX/XX/2021 I filed a second dispute to verify with proof of identity with correct date of birth and etc. I have not heard anything back again. I am a entering college and my credit is very important to me. All i am getting is updates to my report stating the account is accurate when in-fact it is not. I feel as though i'm being defrauded and I have been taking all necessary steps to get this cleared up including filing a Fraud alert with the FTC and freezing all my personal info. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: Southern Management Systems Inc.
State: GA

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account Southern Management Systems I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: FL

Complaint narrative:
I pulled my credit report and noted an account on my report that doesn't belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: OH

Complaint narrative:
I originally disputed accounts on my consumer report and Transunion and XXXX  responded that files are verified and updated on my consumer report which is a direct violation of multiple us codes including 15 usc 1681a ( e ). The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is ( obtained through personal interviews with neighbors, friends, or associates ) of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, ( such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer ) or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. ( 15 usc 1681 ) ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 18 us code 1028A ) - ( aggravated identity theft ) Whoever during and in relation to any felony violation enumerated in subsection c knowingly transfers, possesses or uses with out lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

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 2021-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: First American Solutions, LLC
State: MA

Complaint narrative:
I closed on a refinance with XXXX on XX/XX/2021 for my residence located in Massachusetts. First American, who contracts with the mortgage company, incorrectly filed the mortgage with the registry of deeds. 

I have had several conversations, both telephone and email with First American in regards to fixing this issue. They have been unresponsive as it relates to resolving this issue. Not having the mortgage recorded correctly has resulted in my inability to close on a home equity loan. As I am unable to close on the home equity loan I am unable to pay a contractor for work on my home. The contractor has indicated that they will be placing a lien on my property due to non payment, which will result in filing fees and interest on monies owed. This issue could have been resolved wtihin 24 hours by First American by electronically refiling the mortgage when they were first notified last month.

Company response to consumer: Untimely response
Consumer complaint received 2021-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: MD

Complaint narrative:
I receive calls about debt collection yet when reviewing my credit statements, I have no debts in arrears. 

I receive the same recorded message from Harris and Harris Limited to call them at ( XXXX ) XXXX. They call from ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LTD Financial Services, L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX LTD ACQUISTN XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious LTD ACQUISTN XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
XX/XX/XXXX I started in the federal government Covid 19 Forbearance program to end XX/XX/XXXX But due to the fact I have an FHA loan the FHA in XX/XX/XXXX issued an update to FHA Covid 19 loss mitigation Policy Letter # XXXX extending my Forbearance by One Year to XX/XX/XXXX, However, MrCooper refuses to accept the FHA Guideline extending my Forbearance by one year & has insisted & harassed me to commence payment on XX/XX/XXXX, I have written to them sending all relevant documents from FHA but to no avail, In reality, the FHA program ends XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
I used XXXX XXXX to freeze my credit I didn't authorize any one to report anything! I have been in Chex system since 2004 I have not been able to get a bank account in my name at all! It's all inaccurate

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 2021-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XX/XX/XXXX Equifax Information Services, XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX or XXXX XXXX : Dispute missing information from XXXXEquifax. ( scanned and sent Certified mail ) Dear Sirs, Attached is myEquifax credit report SSN last four **** with missing information that can not be disputed online for unknown reasons. 
Included are my driver 's license so you can correct my date of birth to XX/XX/XXXX and my name from XXXX XXXX to XXXX XXXX XXXX XXXX My Social Security card is provided so you can match it to XXXX report with SSN last four **** included. 
I have provided my XX/XX/XXXX XXXX XXXX credit card statement so you can add my Apartment number # XXXX to myXXXX report. 
Please provide a copy of my corrected credit report within 14 days when you have corrected all three ( 3 ) my name, date of birth and address, as I have been denied credit recently. 

Sincerely, ================================== XX/XX/XXXX Dear CFPB, I send the Letter to Equifax on XXXX XX/XX/XXXX, certified mail XXXX XXXX XXXX XXXX XXXX, and Equifax received on XXXX XX/XX/XXXX because Equifax did not send a credit report on two previous requests XXXX 

I requested my credit report my mail and to have my name, date of birth, and apartment number corrected online, by mail since I can not get thru the phone line at XXXX or XXXX because after answering all the questions on their phone system it does not connect me with a person to check on my dispute. I included myXXXX report online with the missing and incorrect information to correct my name, date of birth, and missing apartment number from XXXXEquifax report online.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: Mid-Atlantic Finance Co., Inc.
State: VA

Complaint narrative:
I received notification recently of a 30 day delinquent reporting on my credit which resulted from the company that I financed my vehicle through. I immediately contacted the company in efforts of resolving this matter as I knew I had not been delinquent on my car payment recently as I'm working towards rebuilding my credit after losing my mother and being in/out of work as her caretaker. I spoke with countless representatives who stated that my account was reported as delinquent because of a deferment granted back when my mom was living and the loan was not satisfied so the account was reported 30 days delinquent. I had no understanding of this scenerio provided and advised several associates that this was very deceptive as if this was the case I would have never agreed to the deferment to begin with. After speaking with several reps, I finally called back and spoke with with XXXX XXXX XXXX who appeared to be very understanding and stated that she saw the deferment and maturity date had nothing to do with the negative reporting and she saw that my account had been paid timely for the past year at least. She stated that she would research further and follow-up with me. She asked that I send her the reporting as received from the alerts set up to monitor my account. I quickly complied and after sending the documentation. XXXX responded and stated that all recent reporting was accurate and that the XX/XX/2021 payment was delinquent and sometimes the updates are delay. AFter providing XXXX with my payment history as shown on their website as well as confirming that my payments are due on the XXXX of each month and the XXXX payment was made on XX/XX/2021 using two debit cards and should not have been reported as 30 days delinquent. This adverse reporting has hindered myself and my family from being able to move forward in the marketing to purchase my first home and gather back the pieces of my life since the passing of my mom. I'm asking that this be assessed and updated immediately. I had emailed the company and XXXX but I'm being asked to file a formal dispute instead of making the adjustment to avoid this type fo escalation. I take pride in trying to regain my credit worthiness and would like a written response that this has been removed from my credit report and a formal apology from the company as this has taken me ten steps back in buying my first home. I feel that this is very deceptive to me as a consumer and I'm expected to accept their response without them trying to assist me as their borrower.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'VE NOTICED SEVERAL ERRORS REPORTING ON MY CREDIT REPORT AND NEED THE CREDIT BUREAUS TO PROCESS MY DISPUTE.

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 2021-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'VE NOTICED SEVERAL ERRORS REPORTING ON MY CREDIT REPORT AND NEED THE CREDIT BUREAUS TO PROCESS MY DISPUTE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: VA

Complaint narrative:
This loan was in a chapterXXXX bankruptcy the liens was released and the vehicles were salvaged. I request that the dept be discharged also i have a court order from the XXXX asking for forbearance untill XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
XX/XX/2021 Sent a letter to validate the debt and to cease collections of the debt as it is outside the time frame to collect.

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 2021-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
On XX/XX/2021 I send a Debt Validation Affidavit letter to NATIONAL CREDIT SYSTEMS regarding an " alleged debt. '' I gave the debt collector 30 days to respond and received no information which violates 15 USC 1692g. Pursuant to the Fair Debt Collection Practices Act I have the right to request validation and receive such information in a timely manner. It has been well past 30 days, as a result, I have sent NATIONAL CREDIT SYSTEMS an Affidavit of Truth and a Cease and Desist regarding their violations. They have also violated 15 USC 1692j furnishing certain deceptive forms by having an invalidated account on my credit reports. I have included all documentation they originally received and the most recent documents. All documentation originally sent was notarized and signed and sent with a green return receipt that I also included as Exhibit A.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: TX

Complaint narrative:
I sent an initial letter on XXXX this year and sent a follow up email last XXXX but received no response from XXXX  and TransUnion. I have sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure and negligence to investigate these items 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 punctually. I urge these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person. 

They are in violation of Fair Debt Collection Practices Act because they did not prove validity of the debts, they failed to provide evidence to support ownership of the debt, they did not furnish the paperwork required to show 100 % proof that I own the debt.

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