vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-01 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes. Section 611 ( a ), clearly states that a failure to investigate these items for 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the inconvenience and stress you caused me. My information was also impacted by the Equifax Data Breach and may have got to the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
I am a consumer of the United States and i never gave XXXX  nor FNB OMAHA written permission nor the right to report on my consumer report. The fact that this account is reporting on my consumer report with out any written permission is identity theft and a violation pursuant 15 USC 1681b, also a violation to 15 USC 1692d for harming my consumer reputation reportinb late paymenta. I the consumer in fact, natural person, original creditor, lender, executor, administrator and holder demand that my federally protected consumer rights not to be violated at any given place or time. I, the consumer, filed a cfpb complaint on XX/XX/XXXX, complaint number XXXX regarding this account above to be immediately removed from my consumer report for violating my federally protected consumer rights. Attached to this complaint labeled as exhibit A was sent along with my complaint XXXX revealing these violations and reportings on XXXX, XXXX  AND XXXX. After my complaint was filed FNB OMAHA was removed from my XXXX  and XXXX  consumer report. As of XX/XX/XXXX FNB OMAHA and XXXX  willfully and knowingly continues to violate and harm my consumer rights and reputation. Also attached labeled as exhibit B showing proof of deletion of this account from XXXX  and XXXX  but XXXX  and FNB OMAHA continues to violate. Labeled as exhibit C is the letter i received from FNB OMAHA on XX/XX/XXXX stating my account was opened on XX/XX/XXXX and was closed on XX/XX/XXXX due to delinquency when they are reporting delinquency on XX/XX/XXXX when my account was already closed. The information being reported is incorrect amd misleading

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Westlake Financial took a closed account # XXXX, that was also charged off, then re-opened it on XX/XX/XXXX. They re-aged the account that was delinquent XX/XX/XXXX, then falsely re-opened it, showing the account was never delinquent. The 7 year statute clock that was supposed to end XX/XX/XXXX, has now been re-started as indicated by my credit report from 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 2021-06-01 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: CURO Intermediate Holdings
State: PA

Complaint narrative:
Victim of XXXX  XXXX and my report has hard credit inquiries that I never did. The only one I did do is from XXXX XXXX for my car. Closed accounts not taken off. And collection accounts that aren't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: DISCOVER BANK
State: PA

Complaint narrative:
Victim of XXXX XXXXXXXX and my report has hard credit inquiries that I never did. The only one I did do is from XXXX XXXX for my car. Closed accounts not taken off. And collection accounts that aren't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
On XX/XX/2021, I received a notification from one of the 3 major credit bureaus that a collections company known as IC Systems INC has reported a negative tradeline for the amount of {$590.00} owed to original creditor : XXXX XXXX XXXX. After researching the original creditor, I see that its a company for a pet membership. I DO NOT HAVE OR OWN ANY PETS!! The collections agency, IC Systems INC has not even tried to contact me via letter to inform me of this alleged debt. IC systems INC did not go through the appropriate procedure regarding verifying the accuracy of this debt. Why would such a debt even exist because I do not own and have never owned a pet. I am beyond confused and shocked and need this negative trade line deleted from all credit bureaus to which they report to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY

Complaint narrative:
To whom it may concern, My name is XXXX XXXX and in XXXX of XXXX, I was impacted by the COVID -19 virus. I requested to be placed on forbearance due to the Covid-19 pandemic. I was told by my mortgage company, Bayview Loan Servicing, that as part of the CARES act, there will be no negative reports to the credit bureaus and that my credit would not be affected. While on forbearance, I sold the property in XXXX of XXXX, and as a result, my account was closed in XXXX of XXXX. I recently received a report on my credit that indicated Bayview Loan Servicing reported in XX/XX/XXXX, that I had a 120 days late ( please see the attachment below ). This was reported by Bayview Loan Servicing in XXXX of XXXX after my account was closed. This has a negative impact on my credit. My account was in forbearance and it was closed while in forbearance. I dont see why there was a need to report a 120 day late report on my account, I was told by a representative of Bayview Loan Servicing that as part of the CARES act, there will be no negative reports to the credit bureaus and that my credit would not be affected.

I sent a letter to Bayview Loan Servicing on XX/XX/XXXX and I also spoke to a representative from Bayview Loan Servicing regarding the issue. I have not heard any feedback from them. I can be reached at XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
XXXX.2021 I logged into my credit card account to pay my bill. I happened to notice that my account was restricted for some reason, so I called Capital One to check and see what happened. 

At that time I was told that this specific account was restricted because they needed to verify that the bank account that I pay my bill with is in fact mine. I was confused as to why only 1 out of 3 accounts was restricted, when all 3 of them are paid from the same bank account. In talking with the manager XXXX, I was informed that even though my payment account was thought to be fraudulent, they would still process payments from that account, but they just would not allow me to use my credit card. 

I have 2 big issues with this. 

1. Why would only one card be restricted while all other accounts are still open? That would still allow someone to defraud me if that was the case.

2. IF they believe an account is being paid fraudulently, is it still legal for them to take money from the fraudulent account? It has been my understanding since I was a child that knowingly accepting stolen goods was in fact a crime. So if I were illegally paying them from someone else 's account, and they suspected it, wouldn't it be illegal for them to accept that payment? Because the manager outright said they would still allow me to pay my car payment and credit cards using the bank account that they think is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: MN

Complaint narrative:
This letter is a formal compliant that you are reporting 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 I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: NY

Complaint narrative:
I did not consent to, authorize nor benefit from any of the following Inquiry. BLOCK AND REMOVE.

I recently reviewed my credit report and found unauthorized inquiries. These inquiries are Fraudulently.

I personally reached out to the below creditors and asked them did they have a verbal or signature on file of me as the original creditor and consumer giving any authorize of my credit card ( my Social Security card ) to be used or ran for any of these unauthorize inquiries, and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose, which is in violation of 15 U.S. C. 1681b.

According to Section 604 of the FCRA, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following Inquiry are unauthorized : Block and Remove

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OK

Complaint narrative:
After years of SPS telling me that XXXX XXXX  is the Trustee on my loan and XXXX XXXX  telling me they are not the owner of my loan, my attorney received a notice in the mail stating there is no trustee of record listed and the supposed foreclosing lender is XXXX XXXX  XXXX XXXX. However, in XXXX SPS and their attorney published something in the assessor 's office with a handwritten document that XXXX XXXX  is the trustee on my property. We have asked for a copy of the title to my home. And have yet to receive it. The only thing I have received from SPS is a letter stating XXXX XXXX  is the trustee. How can they foreclose on my home without the title? It was supposedly assigned from XXXX to XXXX XXXX  in XXXX, but against Oklahoma law that states it should be filed within 6 months of assignment, but this was 2 years. They are set to sell my home in 2 weeks, and I have nowhere to go! I am a single mom of 3 and have been in my home for 15+ years. SPS will not stop until they get money or get my home. I will be homeless.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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:
Good afternoon, I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didnt have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed identity theft/fraud because I did not give them authorization to run my credit you can see them found attached. Please have these removed asap I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
I paid my account and settled in one lump sum payment. The collection company is not willing to delete my account from the bureaus. Other companies either delete after settling in full or at least update you as a paid in full. Other companies Ive dealt with claimed the same thing that they do not delete but do in fact delete when a CFPB complaint is filed. its not right to the consumers who faithfully pay there debt in full hoping to clear their bad credit history in order to regain their life back. And the average person doesnt even know about the CFPB. So they stay stuck with the bad history. Its just not right for companies like these to not delete just because they choose not too. And we wonder why there is so much poverty and homelessness in the community. Something needs to change ... ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: Self Financial Inc.
State: FL

Complaint narrative:
I submitted a dispute in regards to the incorrect items on my credit report and it has been well over 30 days and have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: IL

Complaint narrative:
1681 ( b ) 2 state that these bureaus has to have my written permission to furnish a report.I have never agreed for these 3 bureaus to just take information about me and then tarnish my score. I will also like proof of them having my signature if they claim they have. Ive been harassed from multiple debt collectors on alleged debt that I the consumer have read over and said " I do not validate this debt '' which is technically just a allegation until I agree upon those debt.

i also do not own a credit card from any bank .No bank has issued me credit therefore im not a credit card holder

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XXXX I sent a letter regarding inaccurate things on my credit report. I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX XXXX to release my medical information to a third party. This collector/creditor did not provide HIPAA release to e able to collect n this debt.This is a direct violation of my HIPAA rights. I am proceeding with legal action, should this item not be deleted within the required time by law. I will also be seeking compensation as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: NV

Complaint narrative:
1.XXXX  XXXX was added to my credit report in error this is not my account 2. XXXX balance is incorrect and I have never paid late 3.XXXX 's XXXX was added to my report in error this is not my account These large items along with others on my credit report have been disputed with the credit bureaus and not removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I submitted a dispute in regards to the incorrect items on my credit report and it has been well over 30 days and have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: CA

Complaint narrative:
There are 11 accounts on my credit report that are showing up and these are definetly not my accounts I have tried resolving this wqith the bureaus as well as the furnishers in my credit report and they are not being much help. This is a result of identity theft and I need this taken care of ASAP it is affecting my personal life and it is stressing me out!! 

Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account INQUIRIES Creditor Name : XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry

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