vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: First Advantage LNS Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX NATIONAL CREDIT AUDIT, a company I do not have any commercial or other contracts with operating in commerce, placed a derogatory collection on credit profile without my prior consent or knowledge.This company whom I do not know did not contact me prior to give me a chance to dispute this alleged debt before placing it on my credit report. I did not notice this until XX/XX/XXXX. I sent a letter dated XX/XX/XXXX, to NATIONAL CREDIT AUDIT ( see attachments ) having them to validate the depute debt pursuant to Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }. They never responded. Due to COVID-19 my second letter ( notarized by a Public Notary ) dated XX/XX/XXXX, and a third letter Dates XX/XX/XXXX. Each time I sent a letter I placed the previous letter from letters in that package. See attachments, I do have a Certificate of Service for all these letters.

NATIONAL CREDIT AUDIT, failed to contact me prior to reporting alleged debt, failed to provide validation that the allege debt is mine, respond in a time manner, failed to provide Certificate of Service where the attempted to contact me ( prior and during dispute ), failed to give me the persons name who did the calculations, failed to show that whomever did the calculations was knowledgeable in that process, and what systems they used to calculate the debt. Most importantly they failed to show the contract I signed with them NATIONAL CREDIT AUDIT.The alleged amount they say I owe is {$4400.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-09 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: CITIBANK, N.A.
State: PA

Complaint narrative:
Sears/CBNA continues to report the account status of an account discharged in a chapter XXXX bankruptcy, every month on XXXX. A letter was sent to Sears/CBNA to ask them to stop, but in response, Sears has now updated that status to current on XXXX  as well. Credit score dropped 26 points. 

They must stop monthly reporting and updating the status fields status updated on and balance updated every month. This can be seen as an attempt to collect a debt that has been discharged in a bankruptcy, a violation on the FCRA.

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 2021-08-09 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: PA

Complaint narrative:
To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft CB/EXPRESS Account Number : XXXX This is not mine.

2. Identity Theft CB/NY & CO Account Number : XXXX This is not mine.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I XXXX XXXX have been reaching out to this company for months to remove these items from my consumer report. I have sent letters and made calls and for some reason I couldn't get any cooperation from them. I think this is disrespectful to the consumer that agencies are furnishing my report without my consent which is a violation of the FCRA. I want these accounts removed from my consumer report immediately it is hindering me from using my own credit which is right that have as a consumer.

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 2021-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I XXXX XXXX have been reaching out to this company for months to remove these items from my consumer report. I have sent letters and made calls and for some reason I couldn't get any cooperation from them. I think this is disrespectful to the consumer that agencies are furnishing my report without my consent which is a violation of the FCRA. I want these accounts removed from my consumer report immediately it is hindering me from using my own credit which is right that have as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: MA

Complaint narrative:
HI NATIONAL RECOVERY AGENCY ; XXXX XXXX/XXXX  XXXX  {$450.00} ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2021-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: U.S. BANCORP
State: TX

Complaint narrative:
Essentially, I do not have access to my mailbox currently. I have not been able to make payments because I didnt know who my lender was. I did not receive any emails or calls ( when I found out who my lender was through XXXX yesterday, which is USBank, I called USBank and found out they had my wrong email ). 

I have paid off the entire payment in full and now setup auto payments, but I do not believe any of their employees have contacted me via phone and since email was wrong, I did not get any notification of who my lender even was to pay my mortgage to. 


They are unwilling to reverse the delinquency charge. My credit score dropped 150 and this will effect me for 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 2021-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I demand that these items be removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days which was not done. 

A certified letter, receipt number : XXXX XXXX XXXX XXXX XXXX was received by your company on XX/XX/XXXX. This is to formally advise you that your company has violated several of my consumer rights. 

Specifically : You failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. 

Not only have you ignored my prior requests for validation of debt but you continue to report this debt causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following : Validation of Debt Request -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 

My initial dispute was detailed which included and directly related to the account in question. I also sent an " Affidavit of Truth '' which was not rebutted with an Affidavit from your organization which according to the law you have also defaulted on. Morris v National Cash Register, 44 S.W. 2d 433, clearly states at point # 4 " uncontested allegations in the affidavit must be accepted as true ''. 

I expect to receive the proof requested above within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.

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 2021-08-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them fro

m all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 1. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 2. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 4. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 6. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 8. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 9. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 10. Identity Theft CAPITALONE Date of inquiry : XX/XX/XXXX This is not mine. 11. Identity Theft XXXX  Account Number : XXXX This is not mine. 12. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 13. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I filed a complaint against Speedy Cash on XX/XX/XXXX to CFPB regarding a failed debt validation from Speedy under complaint # XXXX and a company in which they sold an erroneous debt to, AD Astra Recovery Services. Speedy responded back stating that I took out a loan ONLINE and that the payments were missed. I have asked several times for Speedy Cash and AD Astra to validate this debt according to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), and they HAVE NOT done so. This account is fraudulent. I have asked that your company and AD Astra provide me with copies of any papers that show I agreed to pay what you say I owe ; prove the Statute of Limitations has not expired on this account ; AD Astra needs to provide proof that they are licensed to collect in the state of Texas, and to provide me with the license number ( s ) and Registered Agent or Agent of Service. NONE OF THESE ACTIONS WERE COMPLETED WITHIN THE TIME ALLOTTED. Also, within Speedy 's response under complaint # XXXX, they stated that a loan was taken out in XXXX of XXXX and that they tried to contact me in XXXX and XXXX of XXXX, which is absolutely false. Due to this erroneous reporting to the Credit Bureaus, a highly negative impact on my personal credit report has caused me financial harm and damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: Santander Consumer USA Holdings Inc.
State: UT

Complaint narrative:
Chrysler Capital are reporting lates for XX/XX/XXXX20 and XX/XX/XXXX20 on my credit credit as well as my husbands. We ask that they please remove the lates from our file. We ended up contracting XXXX  and got very very sick and had to be in the hospital for well over a month. We really couldn't do anything, we had our family members helping us as much as they could but we got behind for a couple months on a few bills. This was not intentional, we had a very difficult time in the hospital. I ask they make a one time good will adjustment and remove the 2020 late notations from our file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
On XX/XX/2021 I mailed a U.S Certified Mail with a letter attached to request the validity of the debt being reported on my credit. It is now XX/XX/2021 and I have heard no response from them yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
I purchased a XXXX XXXX XXXX in XXXX That was financed with Santander Bank, At the time of purchase before signing any paperwork i was concerned about the payment of XXXX per month when my SSI was only XXXX per month knowing i could not make this kind of payment for a long period of time i spoke with Santander and there answer to my worries were settled when they explained if i made my payments for 6 months on time i could have the loan refinanced and it would most likely be half of the amount i was paying so i decided to go ahead with the deal and got a part time job to be able to afford the car. Then Covid hit the world and i lost my job so i called to get my loan refinanced and was told they didn't refinance loans and explained when i purchased the car i was told after 6 months i could and they replied yes with another bank or credit union. I then also found out while trying to get my car refinanced that i had only been paying interest nothing has brought the car amount down so i could not get it refinanced after all. So stressed out because i knew i had to get help or lose my car and my credit i called Santander explaining my problem so they offered me assistance because of the covid virus. So during that i went to several places to try to trade it in for a cheaper payment but that to was a dead in i was upside down over XXXX XXXX dollars so if i wanted to get out of the payment that's what i would have to come up with which was not possible. So i reached out to Santander again and they explained the there was nothing they could do for me either pay the payment or give the car up. Well that was not a option so while researching what i could possibly do i saw a article about Santander being sued so i read it and it was for the same thing they did to me to the tee ... Then i got the information and called and made a complaint but because the lawsuit was already settled for XXXX XXXX dollars i was not included in it. I felt i have tried everything so i contacted Santander again they still would not budge to lower the payment and to find out my loan had gone up XXXX XXXX dollars because of the assistance they gave me. I then explained that i thought that the government gave the money to companies to help consumers like me and quickly i was told i was wrong Then told that if i did not have the payments caught up by the end of XXXX they were charging it off on my credit. So i have since started back to work but not able to fix this long overwhelming problem so i have nothing else left to do but look for help because it was known from the beginning i could never afford a payment like that for a long period and i feel like they got over on me and every way i tried to fix it Santander had me blocked where it was never since the first day for me to get through this and they knew it.. So with everything i have been through i feel very wronged and no way to win ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I wrote a letter to XXXX because I had found out that there was a drop in my credit score for a 30 day late! I was upset and went over my bills and remembered that XXXX had taken out three payments due to a glitch while paying on line! I called XXXX immediately once I saw the three payments that were taken and asked for two of them to be reversed which I have proof that they were! They kept one for payment which I also can prove. I called them back when I found out that the 30 day late was reported and was given a address to send a goodwill letter too which I sent! They sent me back a letter on XX/XX/XXXX stating that they will not remove it! I have had this card since XXXX and have never been late! I am upset that they placed inaccurate info on my credit report and are claiming it was not! They are worried regarding judgment from the credit reporting companies and not concerned that they acted hastily and reported inaccurate information! Please look into this as I can prove that it was paid! Thank you 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 2021-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I wrote a letter to XXXX because I had found out that there was a drop in my credit score for a 30 day late! I was upset and went over my bills and remembered that XXXX had taken out three payments due to a glitch while paying on line! I called XXXX  immediately once I saw the three payments that were taken and asked for two of them to be reversed which I have proof that they were! They kept one for payment which I also can prove. I called them back when I found out that the 30 day late was reported and was given a address to send a goodwill letter too which I sent! They sent me back a letter on XX/XX/XXXX stating that they will not remove it! I have had this card since XXXX and have never been late! I am upset that they placed inaccurate info on my credit report and are claiming it was not! They are worried regarding judgment from the credit reporting companies and not concerned that they acted hastily and reported inaccurate information! Please look into this as I can prove that it was paid! Thank you XXXX XXXX

Company response to consumer: Closed with explanation