vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX CREDIT BUREAU DISPUTE RESOLUTI XXXX XXXX XXXX XXXX XXXX, IA XXXX Phone : ( XXXX ) XXXX XXXX : Account # XXXX Hey guys, My name is XXXX XXXX XXXX XXXX. 
I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. XXXX

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 2021-03-08 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: AR

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX CREDIT BUREAU DISPUTE RESOLUTI XXXX XXXX XXXX XXXX XXXX, IA XXXX Phone : ( XXXX ) XXXX XXXX : Account # XXXX Hey guys, My name is XXXX XXXX XXXX XXXX. 
I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX CREDIT BUREAU DISPUTE XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Phone : ( XXXX ) XXXX XXXX : Account # XXXX Hey guys, My name is XXXX XXXX XXXX XXXX. 
I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. XXXX

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 2021-03-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

This is the SECOND time you have requested authorization that I have already given! Please investigate my disputes and respond to them via US MAIL asap!! 

I have been disputing incorrect information on my credit reports since XX/XX/2020. I have been disputing continuously with all three bureaus on multiple occasions. I still have not received a response from them most of the time, this is unacceptable! Equifax, XXXX  and XXXX need to respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently tried to open a CD online and was told that my identity could not be confirmed because of a security freeze, which I have not requested. I wanted to check with XXXX, Experian, and XXXX to see if any of them had a freeze on my report. I called Experian at XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX and tried to navigate their automated system to either talk to an agent or somehow answer the simple question " Do you have a security freeze on me? '' The only path toward this subject ended with the system announcing that I had just put a freeze on myself. The only identity information I had provided was my address and SSN. Navigating their site further I discovered that it would take five identifying documents and weeks to lift the freeze unless I wanted to open a paid account with Experian. In other words, they wanted to blackmail me to undo the damage that they casually inflicted on me. The original problem might have been that Experian allows anyone to put a freeze on someone's report with just a little information about that person. The asymmetrical identity requirement seems designed to increase Experian 's profits at the consumer 's expense. Exacerbating the problem is that Experian provides no means of communicating with an agent by phone, online, or email without first buying their credit reporting plan.

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 2021-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Full Circle Financial Services, LLC
State: MI

Complaint narrative:
I contacted XXXXXXXX XXXX XXXX, and told them I no longer wanted to work with them, because it was taking them to long to pay off my debt. They also, let some of my debt to be sold to a 3rd party. one debt that was owed was with XXXX XXXX XXXX XXXX which was sold to Full Circle Financial Services. I contacted Full Circle and told the person who answer the phone ( a Man ) and said that I wanted to Make a settlement on my account. I told him I was dropping XXXX XXXX and deal with them personally, he threaten not to work with me and said I should go back to XXXX XXXX. what is the different. I'm the one who is paying.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
Capital One Auto Finance Account closed on XX/XX/XXXX Reported balance {$11.00}, XXXX I had a XXXX XXXXXXXX XXXX with a payment of {$520.00} per month. I began having financial hardships and was not able to make full on time payments. I did offer to make most of the payment but I was told I needed a full payment. I used a cosigner for this loan. We both have the same name. I just want to be clear on who I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Texas XXXX XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

4. Other information I would like changed OXXXX XXXX  Account Number : XXXX Please verify and update late payments from XX/XX/XXXX and XX/XX/XXXX 5. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

6. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

7. Validate Account 1XXXX XXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

8. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please supply information on how you have verified this item. 

9. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item. 


In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you,

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 2021-03-08 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Texas XXXX XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

I demand that the following account be verified or removed immediately : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

4. Other information I would like changed XXXX XXXX Account Number : XXXX Please verify and update late payments from XX/XX/XXXX and XX/XX/XXXX 5. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

6. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

7. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

8. Validate Account XXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

9. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item. 


In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have tried several times to get remove or verified but they refuse to respond to the LAW!

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 2021-03-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc.
State: CA

Complaint narrative:
I initiated a cash out refinance with better Mortgage on XX/XX/XXXX. I was initially told I prequalified and was given a rate table to choose from. I chose to conduct a cash out refinance with XXXX out and at a 3.375 rate. I had an appraisal from a previous refinance the company told me they would use. They then told me they required an appraisal which they conducted at no cost to me. I was told numerous times along the process that my loan was in good standing and would close following receiving the title. The title took months to get back, and came back with a clear title. Finally this week 2 days before my scheduled close with the company I received a call from better telling me they would have to cancel my loan. They told me that it was on the market 6 months prior to initiation of this loan and that was missed by their original underwriting team. This was fully disclosed to them in the documents they had me read and sign for the loan. They told me they could not make an exception and that they could not fund the loan. They suggested I wait a few days ( at which point the 6 month timeline would pass ) and I could apply for a new loan. 

I asked if I applied for a new loan after my 6 month period ended would they honor the cash back and rate they originally locked me in at. They said no, the only concession they could make is {$500.00}. This process has strung me along for months and my family and I have made financial decisions based off the funding of this loan, only to have them try to deny it at the very end. During the time the mistake that their original underwriters made as well as the slow title company, rates have gone up half a point. If the company wants me to apply for a new loan in a few days they should honor what i locked in.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: CO

Complaint narrative:
I have been receiving phone calls from this company, I have no idea who they are and from past experiences, My information has been in the Credit Bureau Data breaches, and has never been corrected, They are trying to collect a debt that I do not owe, and keep calling with reference numbers. I want this to stop, It is very annoying and makes me nervous that my information is exposed to an collection company whom i do not owe. I called them an was put on hold, for a bit, No one answered after the recording just silence on the Phone. This was to day XXXX and had calls before that from diff. numbers, but go back to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: IL

Complaint narrative:
I had two medical bills from an incident that happened a few years ago. The hospital in question told me I would not be charged at all, then, instead of sending me a bill, sent two different amounts directly to collections. I disputed them and they were removed from my credit report, then a different debt collection agency, Debt Recovery Solutions , LLC, somehow got a hold of these amounts, {$890.00} and {$64.00}, respectively, and they appeared back on my credit report. I disputed them again and they were again removed after finding to not be amounts I actually owed, and they once again reappeared on my credit report even though they'd been disputed and removed twice. I've tried disputing them again, which just prompted the collection agency to send me a letter telling me I owed them, and they remain on my credit report. They call me constantly all day and night, and a few times earlier or later than legally allowed. I do not owe this money and want them removed from my report, as well as this company to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
They called me from time to time they want me to put in my account number they want me to put in my social security number they say it's about a debt I don't know where there coming from I don't know this company and I've never had any dealings with them

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 2021-03-08 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: Santander Consumer USA Holdings Inc.
State: KS

Complaint narrative:
In XXXX of XXXX, I leased a vehicle through Chrysler Capital. Due to s severe decrease in income, I fell behind on payments and they repossessed the vehicle on XX/XX/XXXX. The only prior notification that I received of the pending repossession was a letter dated XX/XX/XXXX, titled " NOTICE OF LEASE TERMINATION AND EARLY TERMINATION LIABILITY. '' Since that time, Chrysler Capital has reported a Collection/Chargeoff in the amount of {$7500.00} to the credit bureaus. 

Late last year I began researching my rights and options for improving my credit score, and I learned that each State requires creditors to provide debtors with sufficient notification of their " right to cure '' delinquent accounts before any repossession can occur. Failure to do so makes any such repossession invalid and ineligible for reporting. I informed them of this twice via certified letter ( on XX/XX/XXXX and XX/XX/XXXX ). They responded each time with a refusal to remove this negative info from my report. 

I am now is discussions with my attorneys on pursuing legal action against Chrysler Capital. However, I also ask for your assistance in this matter.

Company response to consumer: Closed with explanation