vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
Opened XXXX. XXXX, XXXX  ( XXXX XXXX  ) Account status Open Type Derogatory Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX {$2000.00} Closed No Info

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 2022-04-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Hi, I don't appreciate the mistreatment of XXXX and how they are asking me my race when I call in. Im being told and others as well over a group of ( 400 people ) saying the same thing about internal investigation. Why are there internal guidelines that can't help us as consumers? I don't appreciate EQUIFAS AS WELL!!! 
No one is helping me at all and I am often promised callbacks that never happen. XXXX, XXXX, XXXX, XXXX are NEVER HELPFUL and tell me information that isn't true. Id fact check with XXXX or XXXX and they are the only helpful ladies at the whole company. Then for XXXX XXXX and XXXX are helpful and XXXX and XXXX at Equifax isn't helpful at all. Im locked in this department that they won't let me out of at all, I work XXXX jobs and one is XXXX which I can't bring my phone around and the other is in XXXX. By the time I can call the department is closed. Please remove me from this department so someone can finally help assist me and I can move forward with my life. Another thing that I am being told is that I am a " credit clinic '' and they refuse to remove items. XXXX told me long ago to Put on the document and say " I am me and not a credit clinic '' on all correspondence and I did that as well as everything like XXXX asked. I need these items BLOCKED AND REMOVED. 

THESE INQ ARE NOT STATEMENT OF FACT AT ALL WHAT SO EVER, THESE ARE STATEMENT OF FRAUD!!!!! The Consumer Credit Protection Act Of 1968 ( CCPA ) protects us consumers from harm by creditors, banks, and credit card companies. The federal act mandates disclosure requirements that must be followed by consumer lenders and auto-leasing firms etc... 
A 611 credit dispute letter references Section 611 of the FCRA. It requests that the credit bureau provide the method of verification they used to verify a disputed item. It is sent after a credit bureau has responded to a dispute that a negative item has been verified.This has not been done at all. 

XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX Inquiry : XXXX XXXX, XXXX - XXXX XXXX  Reported : XXXX. XXXX, XXXX + {$57000.00} FRAUD XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$15000.00} FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: Early Warning Services, LLC
State: NC

Complaint narrative:
Early Warning Is still reporting fraudulent information. They have deleted and blocked this information over a 1/2 a dozen times. They have reinserted it illegally. The law 605B of the fair credit reporting act tells the CRA very specifically what they need to do with the claim of identity theft. Part A states they have to block within 4 business days of receiving the information from me. B tells the CRA they must notify the furniture sure of the information that the block was requested and that they blocked it. C is the most important section of this complaint. Its early warning breaks the law because C only gives them 3 reasons to rescind or decline a block. 1. Error. 2. Materially false info. 3. The CRA has proof that goods or services were received from the blocked transaction. None of these 3 things exist or valid, so when early warning removed the block they rightfully placed to begin with, they are IN FACT, breaking the law. XXXX has never responded to my complaint here because they know they are lying. Early Warning simply believes XXXX lies. I will include early warnings last 2 acts on this account, only two days apart. Also 605B of the FCRA, The notarized police report and id. All 4 parts of the law i need to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This account is not mine but is reflecting on my credit report with Experian. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave Experian any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.

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 2022-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: MO

Complaint narrative:
Received text : " This message is from the CBE Group, a debt collector. Please contact us at XXXX or paycbe.com. Reply 'STOP ' to stop texts to this number. '' I have never gotten any mail from these people, I have no idea what " debt '' they're talking about. Responded with 'STOP ' text, but received no response confirming that the messages would stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
XXXX. XXXX, XXXX  ( XXXX XXXX XXXX XXXX  ) Account status Open Type Derogatory Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX  {$110.00} Closed No Info

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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:
These accounts are not mine but is reflecting on my credit report with Equifax. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave Equifax any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
XX/XX/2022, Ally Financial - CARES Act places special requirements on companies that report to credit reporting agencies if they provide payment relief due to coronavirus. I was provided payment relief from Ally Financial do to covid-19. The CARES Act law states that companies are not suppose to report late payments do to the coronavirus.

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 2022-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Fidelity National Financial, Inc
State: CA

Complaint narrative:
Wow where do I start. My closing was over 3.5 hours ago and Chicago Title is unwilling to provide me with my Federal Reference # for a very large wire from the sale of my home. I can not believe they are in a fiduciary capacity. The closing agent ( Chicago Title ) supposedly sent the wire over three hours ago but the wire is still supposedly processing. 

I was put on hold multiple times for a very long time, after being told only the accounting department can provide Federal Reference # s. Ironically, the hold music talks about the dangers of wire fraud for home buyers and sellers and how you need to be extremely vigilant after a wire has been sent. 

I still don't have any confirmation the funds were sent and the buyer was given the keys to the house three hours ago. 

The company said things such as you're not our customer; were not a bank when trying to explain why they couldn't provide proof the wire was initiated, and then told me to [ expletive ] off and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: MoneyLion Inc.
State: GA

Complaint narrative:
I paid Money Lion off on XX/XX/2022 which shows a {$0.00} balance and that the account was closed. However, they still keep reporting charge offs to the credit bureaus. A charge off was reported for the month XXXX and XXXX. I have sent a dispute but as of today nothing has been fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-15 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  account XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX  XXXX XXXX acct # XXXX, also XXXX XXXX XXXX XXXX 30 day late payment, and XXXX XXXX 30 60 and 120 day late payments has violated my rights. 

15 U.S.C. 1681 section 602 A. It also states I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account withiut my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  account XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX  XXXX XXXX acct # XXXX, also XXXX XXXX XXXX XXXX 30 day late payment, and XXXX XXXX 30 60 and 120 day late payments has violated my rights. 

15 U.S.C. 1681 section 602 A. It also states I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account withiut my written instructions.

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 2022-04-15 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX is my mortgage servicer, they approached me in early XXXX about a refinance option. 

I refinanced with them to help my family save money. 

In XXXX of XXXX, we put our house on the market. At this time, i am unable to sell my home becuase. 

1. They failed to record the mortgage closing in the correct jurisdiction and I am unable to close on my property as this is a requirement of selling the home. 

At the time of this message, I am in jeopardy of losing the sale of my home due to their inaccuracies and mistakes in the refinancing process.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
I purchased a vehicle through XXXX back in XXXX of XXXX. I never received a title or registration. I have totaled the vehicle in XXXX of XXXX. XXXX calls it a total loss and the pay off amount is more than I owe on the car. XXXX can't pay off the loan until there is a title. Despite constant contact, there is still no title. For every 10 days that goes by, the amount of money coming back to me reduces by over {$100.00} in interest. And to top it all off, the finance company, Bridgecrest, which is owned by XXXX, is now reporting me to the credit bureau as being 30 days late, and soon to be 60 days. This despite my insurance trying to pay off the vehicle, but can't, due to every fault of theres. XXXX is no longer responding to my emails. I am getting NO COMMUNICATION at all. I need help with this. They are going to destroy my credit all the while reducing the amount of money that will be paid back to me. In 3 months, it will have been a full year that I have not gotten my title or registration. How is this even legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I, XXXX XXXX, consumer, a natural person ( 15 U.S. Code 1602 ( e ) ) who is alive, and dated on XX/XX/2022 am filing a complaint against Navy Federal Credit Union for the advertising of Down Payment pursuant to 15 U.S. Code 1662, Navy Federal is in violation. 
I, XXXX XXXX, did a consumer credit transaction with Navy Federal Credit Union dated on XX/XX/2022 and had to use my Credit Card ( 15 U.S. Code 1602 ( l ) ) aka my Social Security Card, along with a {$300.00} deposit for me to get a Secured Credit Card this is also a violation of The Truth In Lending Act. 
This transaction should be Cash OR Credit, not both within one transaction. 
I am demanding a refund of my {$300.00}, and zero out the balance, update my account to an UnSecured Credit Card with an extension of {$30000.00} credit limits. 
I, XXXX XXXX, consumer, expressing, and exercising my rights and in good faith and I feel an secured credit card is discrimination pursuant to The Equal Credit Opportunity Act ( 15 U.S. Code 1691 ). 
I, XXXX XXXX, consumer deserve a Unsecured Credit Credit Card the same way that other consumers has as well. There should NOT be any discrimination whatsoever. Navy Federal Credit Union needs to in good faith comply with requirements mentioned above pursuant to 15 U.S. Code 1681n ( a ) ( A ). 
Best Regards. Without prejudice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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:
A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: SC

Complaint narrative:
XX/XX/2022, XXXX XXXX - XXXX XXXX places special requirements on companies that report to credit reporting agencies if they provide payment relief due to coronavirus. I was provided payment relief from XXXX XXXX do to covid-19. The CARES Act law states that companies are not suppose to report late payments do to the coronavirus.

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 2022-04-15 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: SC

Complaint narrative:
XX/XX/2022, XXXX XXXX - CARES Act places special requirements on companies that report to credit reporting agencies if they provide payment relief due to coronavirus. I was provided payment relief from XXXX XXXX do to covid-19. The CARES Act law states that companies are not suppose to report late payments do to the coronavirus.

Company response to consumer: Closed with explanation