vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX did not keep their word. I was a co signer on my daughters student loan and was told after two years with her having a favorable payment history that I could be removed. It was a lie and I tried serveral times. To make a long story short she went through a period of hardship and I worked with XXXX to assist her in catching up. She got to a point that she paid if off because XXXX continued to harrass and lie. When she paid it off I was told that it would not reflect on my credit report. I am just finding out that this was a lie as well. I want the adverse reporting REMOVED! Your attention regarding this matter would be greatly appreciated. Respectfully, XXXX 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 2021-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
This is a Affidavit of fact is Pursuant to 15 USC 1692 ( g ) on XXXX XXXX a Debt validation letter of request was sent to Acima Credit FKA XXXX as of today XX/XX/21 Acima has not responed after speaking to me it has been over 30 days and Acima has not ceased and their action to collect on a debt not owed. As i have requested validation and Acima has still not provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: CT

Complaint narrative:
XXXX XXXX has not updated my account balance since my XXXX XXXX {$16000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Accounts & Advisers, Inc.
State: IA

Complaint narrative:
This collection agency is reporting my medical information without a HIPAA Authorization, which is a violation of my rights under the HIPAA LAW. If this matter isnt fixed immediately, Im ready and willing to seek litigation to clear this matter up for good.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Community Health Investment Company, LLC.
State: IN

Complaint narrative:
I was invoiced by XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$70.00} on XX/XX/XXXX for an outpatient visit that occurred on XX/XX/XXXX. I paid the invoice via XXXX XXXX  XXXX on XX/XX/XXXX, which was before the due date of XX/XX/XXXX. The correct amount was pulled from my XXXX and paid to XXXX XXXX group at that time, however I was invoiced three additional times for the same amount for the same statement number. I verified with XXXX that the bill was paid and funds withdrawn, and I verified over the phone with XXXX XXXX XXXX that they had received payment, but they sent the alleged debt to a debt collector on XX/XX/XXXX anyways.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
As a loyal Capital One customer I wanted to request accounts ending in XXXX be removed from all three credit Bureaus as a good will gesture I want to continue to bank with capital one and establish an loyal partnership but as such these XXXX accounts on my credit report are negatively hurting me and I need these to please be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: American First Finance, Inc.
State: CT

Complaint narrative:
Is this account was paid in full XX/XX/21 and was paid in full early.I need this balance to reflect XXXX balance I have with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
When applying for credit I was informed of information on my report from several creditors that are reporting inaccurately. This information is inaccurate because the last date of activity is not correct. I disputed this information with the credit bureaus and the information remained even though it is inaccurate. The last date of activity has been re-aged on several old debts. 
I have listed the debts below in which the re-aging occurred. 

Portfolio Recovery - {$860.00}, last day of activity XX/XX/XXXX Portfolio Recovery - {$480.00}, last day of activity XX/XX/XXXX XXXX XXXX - {$450.00}, last day of activity XX/XX/XXXX XXXX Unknown account XXXX - {$2200.00} last day of activity XX/XX/XXXX XXXX XXXX - {$1900.00} last day of activity XX/XX/XXXX XXXX XXXX XXXX - {$1900.00} last day of activity XX/XX/XXXX XXXX XXXX - {$890.00} - open date listed as XX/XX/XXXX but was opened in XXXX, last day of activity was in XXXX. This was previously a XXXX account. I returned the phone before I went to XXXX XXXX XXXX. 

Portfolio Recovery - Duplicate, original creditor was XXXX, last date of activity was XX/XX/XXXX. 

XXXX  XXXX {$480.00} the account was opened in XXXX. The last date of activity was XX/XX/XXXX. 

XXXX {$280.00} account was opened in XX/XX/XXXX. The last day of activity was XX/XX/XXXX. 

The re-aging of these old debts has caused me harm and has impacted my future in negative ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a few questions about inquires on a credit report. Is it true that in order to pull someones credit report, you need permissible purpose to do so? If that is the case, then why did the company below pull my credit report without my authorization? 

XXXX XXXX | XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I have sent a total of four letters to the company to ask for verifiable proof ( original Consumer Contract with my signature on it ) however the company has failed to do so. The company has only sent me a bill statement as verified proof. I do not have a account with XXXX XXXX XXXX. My first letter was sent on XX/XX/2021. My second letter was sent on XX/XX/2021. My third letter was sent on XX/XX/2021. This company is reporting inaccurate and incomplete credit information. Please advise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Santander USA charged my bank account ACH using my routing and bank number with out authorization, causing overdraft fees on my bank account. These XXXX fees were charged XX/XX/XXXX XXXX XXXX. I made a payment to Santander USA by using my debit card for the amount of XXXX +a fee to process the payment through speedpay on XX/XX/XXXX. I did not authorize the prior payments that were attempted 2 on my account. I do not have auto pay set up at all. I have my stamens come by mail every month which was recently changed to electronic paperless without my permission. By Santander USA attempting to charge my account t for my car note they commuted fraud. I did not authorize the ACH by bank routing number and account number. I did however only authorize my debit card payment. 
As a result of the fraud commuted Santander USA charged me a XXXX fee for the 2 ACH payments being returned which rolled over into the following months payment in XXXX. I have had XXXX dealings with Santander in the past with payments not being applied appropriately to my account that resulted in a audit. Santander has also reported payments late 30 days late, 60 days late when payments were never 60 days or 30 days late. I have disputed this information with the credit bureaus and most of my credit reports have been fixed. 
If my payment is 2 weeks late this does not justify 30 days late to report inaccurate information reflecting negatively on my credit report. Another issue Santander was sent a certified letter in XXXX of XXXX asking to stop the harassment of calls. Santander USA confirmed they received the letter along with my certified letter stub. In this letter I asked that I or my co-signer receive no more calls and that all communication be sent in written form. When concerning with Santander that my letter was received the representative XXXX in XXXX of XXXX also deleted our numbers from the system. I also on my phone put a block on the number ( s ) that Santander USA automated system would call from. After recently looking through my XXXX call protect app the calls are blocked by the company continues to call the phone numbers associated with the account that were deleted and in writing a deceits and desist letter as mentioned above. This is a clear violation of the FCRA, and constitutes as harassment. 
I sent a message in my Santander USA app on XX/XX/XXXX putting Santander on notice yet again and asking that my credit report and my loan fees be waived. I also requested for a audit of all my payments, how it was paid and the date processed to ensure accuracy, as in accurate information has occurred on this loan several times. 

I have all documentation to support my claim as stated above.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Transunion and equifax are reporting tax liens, judgements, and public records on my account,. They are not doing proper Investigation because they are paid by the creditor to report items that are not supposed to be in there. Everytime I try to dispute with the credit bureaus the representatives are always nast, and rude., my only option is to report it to the consumer financial protection bureau so they can enforce the rules, regulations, an laws to these bureaus so that they can stop purposely trying to block the consumer from mortgages, loans, and credit the consumer deserves, the credit bureaus are reporting XXXX XXXX and XXXX XXXX XXXX XXXX liens, they are violating the FCRA by reporting tax lien, judgements a, and public records,. They still put a judgement on my credit report by XXXX XXXX XXXX XXXX which keeps disguising an eviction judgement as a collection loan,. I have attached the judgement case number and court te judgement was filed, hopefully this time the consumer financial protection bureau can enforce the credit bureaus to remove this judgement, and XXXX tax liens totaling {$34.00}, XXXX. these liens need to be removed. Also equifax keeps reporting closed accounts negatively, and keeping negative items on my credit report more than XXXX yrs, and reporting positive accounts negatively, they also have an old child support account on my credit they will not remove even after XXXX yrs of credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX and XXXX are reporting tax liens, judgements, and public records on my account,. They are not doing proper Investigation because they are paid by the creditor to report items that are not supposed to be in there. Everytime I try to dispute with the credit bureaus the representatives are always nast, and rude., my only option is to report it to the consumer financial protection bureau so they can enforce the rules, regulations, an laws to these bureaus so that they can stop purposely trying to block the consumer from mortgages, loans, and credit the consumer deserves, the credit bureaus are reporting XXXX XXXX and XXXX XXXX city tax liens, they are violating the FCRA by reporting tax lien, judgements a, and public records,. They still put a judgement on my credit report by XXXX XXXX XXXX XXXX which keeps disguising an eviction judgement as a collection loan,. I have attached the judgement case number and court te judgement was filed, hopefully this time the consumer financial protection bureau can enforce the credit bureaus to remove this judgement, and two tax liens totaling {$34.00}, XXXX. these liens need to be removed. Also XXXX keeps reporting closed accounts negatively, and keeping negative items on my credit report more than 7 yrs, and reporting positive accounts negatively, they also have an old child support account on my credit they will not remove even after 10 yrs of credit reporting

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 2021-08-02 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 belongs to someone else
Company: Checkr, Inc
State: MI

Complaint narrative:
I need legal assistance i don't know what to do. This is for another job That required a background check. The same company I complained about before, Checkr. They closed the case and didnt fix the issue. So now another job i applied for asked for a background check and the same 2 wrong addresses are on my background check!!!. I have had identity theft and I really need help. Its going on for years and I know who did it, sold my information, ( ex ) but no ones helped me except me and its taking a lot out of me and a lot out of my credit score and life in general. Here is my last complaint. This complaint is the same but different job i applied for Last complaint closed without fixing XXXX CLOSED YOUR COMPLAINT I have had identity theft that I recognized starting in XXXX. Not receiving mail, accounts taken out in my name. Contacted postmaster general, got response then nothing. Have files of paperwork that is WRONG. Never could Get to the bottom of this.Computer expert concluded my ex had sold my name and info. as well as my kids. Filed an identity theft report in XXXX County in XXXX which they lost I am ON file with the IRS as an identity theft victim. I believe it involved my then and now ex husband XXXX XXXX XXXX XXXX MI XXXX XXXX - but since I'm just a small person, no one cared. I just got a background check for Instacart and now I know what I knew before but couldn't prove. There are Two addresses in two states that I have never lived in claiming to be mine. I have NEVER LIVED IN NEW JERSEY OR NORTH CAROLINA. How do I correct this information and get it expunged as I know it's probably too complicated to get to the bottom of this. It has affected my life greatly. I will attach the report if possible. Thank you. XXXX XXXX ( went back to my maiden name hoping I could clear up my credit ). Former names XXXX XXXX, XXXX XXXX XXXX responded ( and didn't help at all! ) STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Hi XXXX, Thank you again for contacting Checkr. There are many factors that drive which jurisdictions are included in the scope of service provided to requestors of background reports. Checkr does not choose but instead is directed by the requestor. However, we believe that consideration is given to data reported by various data sources and is sometimes dictated by law or regulation. Checkr is a consumer reporting agency that provides background check reports. Checkr does not assess your qualifications or determine the requirements or criteria on behalf of the party you applied with. The party you applied with, not Checkr, would review the information you submitted and make the final decision regarding your background.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
RESURGENT CAPITAL SERVICES IS TRYING TO COLLECT ON A DEBT THAT IM NOT FAMILIAR WITH, I DO NOT OWE THAT COMPANY ANYTHING. I AM XXXX AND ON XXXX, WHICH MEANS MY INCOME IS FEDERALLY PROTECTED FROM PEOPLE LIKE THIS. I WOULD APRECIATE IF YOU QUIT CONTACTING ME ON THID MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Wells Fargo has not updated my account balance since my XXXX 2021.My {$16000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
{$2500.00} of total charges opened- XX/XX/16 sent police report FTC complaint Affidavit of truth

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-02 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: LA

Complaint narrative:
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. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX CC : Law Firm XXXX, XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : XXXX XXXX CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : XXXX XXXX XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX only I Recently Seen a False Collection from a company I never heard of. Also I do not have a contract with this company and they do not have a license to collect in my state I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The item I am disputing do not relate to any transactions that I have made or authorized. 

I am not liable for the debt with

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
To Whom It May Concern, I have attempted to qualify for a loan modification the past several weeks with Rushmore Loan Management, the company that services my existing mortgage. After a notice of default was filed in XXXX of this year, I was assured by a Rushmore representative that I was an excellent candidate for a loan modification based on the fact that the my property is a rental and I had verified rental income to make the mortgage payments. I initially fell behind on the payments last year, because the previous tenant had stopped making rental payments due to Coved 19. I was also told by the Rushmore representative to make sure that I supplied all the requested documents to Rushmore so that I could be considered and then qualify for the loan modification. And thats exactly what I have done so far. Rushmore has requested documents and letters from me on two separate occasions, around 15 pieces of information so far, and I have complied with their requests each time and have sent every document that they have requested. 

Thinking I was still being considered for a loan modification, I didnt worry about a notice of sale being filed against my house. But shockingly, Rushmore just filed an NOS. It was filed on XXXX and I just received written mail notification on XXXX. The sale date has been set for XXXX. 

I believe Rushmore has broken a number of laws, both federal and state, concerning the foreclosure process that is currently being carried out against me. And they must be held accountable for their actions. They have violated existing laws currently in place to protect homeowners such as myself, such as dual tracking, no single point of contact and no written communication notifying me that I was turned down for a loan modification, to name just a few of the laws Rushmore has broken in this process. And importantly, if I have been turned down for a loan modification, by law, Rushmore is supposed to allow me an opportunity to appeal the loan modification refusal decision and also present me with other viable options to work out some sort of agreement concerning my loan with them. 

I am asking the CFPB to take prompt action concerning this very important matter because Rushmore is attempting to sell my house in just three weeks from now. And again, they have violated numerous laws designed to protect homeowners such as myself during the foreclosure process. Thank you very much for your prompt consideration and action on this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation