vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Management Systems Inc.
State: FL

Complaint narrative:
Good Afternoon to whom it may concern. My name is XXXX XXXX. I am reaching out because I Have a eviction Debt on my credit from XXXX. I got kicked out the house in XXXX from the house I was living at with my daughters and there mother. i tried contacting company and they lowered it to {$3300.00} and they said they can only make a 3 payment plan of {$1100.00} and I told them I couldn't because I was ok fiancially. I been trying my best working fulltime and taking care of my 3 daughters and trying to be a responsible father and at this point I been stuck in a small eficiency since XXXX and it is very uncomfortable for me and the girls whenever they stay with me on weekends and because the eviction I cant get and apartment for me and my girls. I'm just asking for some help with this issue. I am a responsible person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
hello, My name is XXXX XXXX I have a auto loan with TD Auto Finance for my XXXX jeep. It was repossessed XXXX of XXXX. I got it back 2 weeks later .I paid all fees .I am making every payment on time since. The bank put the title in their name when this happened and never put it back in mine in Pennsylvania. With that being said i can not get my jeep inspected or registered because the title is still in the banks name. I have called on a regular basis. I get the same run around .They tell me I'll get it the mail next week and it never comes. I need help .I need my jeep for work and everyday life. my account # with the back is XXXX.thank you kindly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown items on my credit report. It has been over 60 days and I have not received a response yet. I feel like my disputes are being ignored and that I am being taken advantage of. Section 611 ( a ) plainly states that a failure to investigate incorrect items within 30 days gives reason to immediately remove those items from my credit report. it has been over 60 days now so those incorrect items should be deleted immediately. I demand that these accounts be deleted instantly or I will file for litigation due to the stress you caused me. Also, my information was impacted by the XXXX  data breach and may have been stolen.

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 2021-02-06 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: NV

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown items on my credit report. It has been over 60 days and I have not received a response yet. I feel like my disputes are being ignored and that I am being taken advantage of. Section 611 ( a ) plainly states that a failure to investigate incorrect items within 30 days gives reason to immediately remove those items from my credit report. it has been over 60 days now so those incorrect items should be deleted immediately. I demand that these accounts be deleted instantly or I will file for litigation due to the stress you caused me. Also, my information was impacted by the Equifax data breach and may have been stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Radius Global Solutions LLC
State: VA

Complaint narrative:
This company, RADIUS GLOBAL SOLUTIONS LLC has been placing an outstanding medical balance XXXX dollars in For Collection for the third time in my report. The doctor 's office made the error by sending my specimen to XXXX instead of XXXX XXXX. My then insurance had no business relationship with XXXX ; as a result, the insurance decline to pay. The company placed it collection in XXXX, XXXX and now in XXXX. It had already a negative effect on my credit score in XXXX and managed to bring up my score. RADIUS GLOBAL SOLUTIONS needs to pull that adverse action on my report since they are already reported it twice. This harassment and unfair practice needs to stop. My credit score is tied to my work, so it can affect my livelihood. I lost XXXX points on my credit score as a result of this company continued harassment.

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 2021-02-06 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: IL

Complaint narrative:
The credit bureaus are illegally reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XX/XX/2020, I submitted a dispute to Transunion regarding incorrect reporting on 2 closed mortgage accounts by XXXX XXXX XXXX. XXXX  XXXX XXXX incorrectly reported delinquent payments on these accounts while they were in forbearance that XXXX  XXXX XXXX offered me due to the CARES act. My Transunion credit report is showing the accounts in forbearance with delinquent payments at the same time. I reached out to XXXX  XXXX XXXX, who corrected the information on my accounts. 
XXXX  XXXX XXXX informed me by letters dated XX/XX/XXXX and XX/XX/2020 that XXXX  XXXX XXXX had updated reporting of these accounts to show payment status as " payed as agreed '', with no mention of delinquency. Transunion has failed to remove the remarks from these accounts, and is informing me that the incorrect information is what XXXX  XXXX XXXX has verified as correct. 
On XX/XX/2020, I sent another dispute to Transunion by registered mail, for which I have not received an acknowledgement receipt. I called Transunion on XX/XX/XXXX to inquire as to the progress of the second dispute, I was told that no letter or documentation had been received. As of today, XX/XX/XXXX, I have not received communication or confirmation from Transunion regarding this latest dispute, and the inaccurate information is still on my credit report.

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 2021-02-06 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: CA

Complaint narrative:
Experian is reporting a debt on my credit report, from a company named XXXX XXXX  XXXX for {$400.00}. This debt does not belong to me. I have no knowledge of this debt. It is fraud. Experian is aware of my stolen identity. I reported to Experian that my identity had been stolen from years XXXX through XXXX. I have no knowledge of this company. I have not had any dealings or contracts with this company. I have never had any services with this company. I have not ever used any debit or credit card transactions with this company or their affiliates. I would like for Experian to remove this debt from my credit report.

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 2021-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
To Whom It May Concern, This complaint is regarding my XXXX, XXXX, and TransUnion credit reports. I recently pulled my credit report an noticed some accounts on my credit report that l am unaware of. According to the FCRA Law, they should be removed. The name of the account is XXXX XXXX, XXXX XXXX. This account is an account that I'm totally unaware of.

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 2021-02-06 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: MS

Complaint narrative:
To Whom It May Concern, This complaint is regarding my XXXX, Equifax, and XXXX  credit reports. I recently pulled my credit report an noticed some accounts on my credit report that l am unaware of. According to the FCRA Law, they should be removed. The name of the account is XXXX XXXX, XXXX XXXX. This account is an account that I'm totally unaware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: NC

Complaint narrative:
I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2020, it has now been months since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: TX

Complaint narrative:
I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2020, it has now been months since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
in XX/XX/XXXX, I filed a garnishment compliant with cfpb. I.D . XXXX, against Midland Credit on behalf of Asset Acceptance. As a result, Asset Acceptance stated they would stop garnishing my wages temporarily until XX/XX/XXXX ; and as of this day, garnishment is still being deducted from my payroll. The hardship form that I received from Midland Credit was dated XX/XX/XXXX ; which they requested the form back within ten days ; which I received the form on XX/XX/XXXX. I filled out the form, mailed it back to Midland Credit on XX/XX/XXXX by first class mail so I could be able to track the delivery. I have called Midland Credit several times ; and each time, I receive different misleading information from their credit managers. Midland credit claims that they emailed the stop garnishment request to the XXXX circuit court, civil department, but when I contacted the circuit court ; it was stated that NO stop request information from Midland credit has been received on my behalf. XX/XX/XXXX is less thank thirty days away ; and garnishments are currently being processed from my payroll ; which leads me to believe that Midland has no intentions of standing by their answer to stop the deductions that should not have been allowed in the first place. I will take this matter of complaint as far as I have to. Please advise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Direct Recovery Services, LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX, I received an email from " XXXX '' telling me to create an account on line to manage my " account. '' I thought it was phishing, so I ignored it. ( email attached ) At XXXX I received an email stating I was approved for a loan in the amount of {$1600.00} and " the money is on its way! '' I ignored it thinking it was also phishing. ( email attached ) I never applied for a loan with this company. I never received any money from this company. My credit monitoring agency has no record on my credit report or record of this company. 

Some time around XX/XX/XXXX I received a letter from a debt collection company, Direct Recovery Services, seeking to collect {$1700.00} on my " account '' with XXXX XXXX XXXX. ( copy of letter attached ). I have not contacted this company. 

I understand that this may be a bogus operation that creates false loans based on publicly available information. It then sells the loans and the loan purchaser tries to collect. See XXXX XXXX XXXX XXXX Or, it may be identity theft. 

I do not want my credit affected by this bogus loan. Could you please assist?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP
State: CO

Complaint narrative:
So in 2017 or so, my car suffered from hail damage. I decided to use the check to pay off my vehicle as opposed to fixing the dents. I called both my insurance company and US Bank ( Loan Issuer ) ahead of time and told them what was happening. US Bank said that once the check cleared, I'd have my title in 30 days. I called them 30 days later asking why the title hadn't arrived. They said that they had shipped it to my insurance company. My insurance company sent the title back. I've called them multiple times throughout the years and they always say that it will get here in 30 days, but I never receive it. Now US Bank has lost the title and insists that I have to go to the DMV to pay for a new one

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 2021-02-06 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: SC

Complaint narrative:
I sent a request to investigate inaccurate accounts on my credit profile on XXXX/XXXX/2020, it has now been months since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: TN

Complaint narrative:
I have become aware that that the credit reporting agencies may not be in compliance with certain provisions of the Fair Credit Reporting Act XXXX FCRA XXXX and how it is reporting my credit information. 

In accordance of the Fair Credit Reporting Act ( FCRA ) : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

With subsections 604 and 605, the credit reporting agencies did not get the information of my bankruptcy from the State of Tennessee nor did I express that information to be made public in any expressed written agreement or statement. The three credit reporting agencies received my personal credit information from public records which they are not in compliance with the Fair Credit Reporting Act.

Fair Credit Reporting Act states the regulation and laws that govern the three credit reporting agencies, however the misuse of personal information for financial gain harms consumers. I could not find a place to stay because that was on my credit report and reduce my score. I find it very difficult that I can not find a place to call home in a reasonable area do to the inconvenience of the misuse of my personal credit information.

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 2021-02-06 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: Ocwen Financial Corporation
State: FL

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Global Lending Services LLC
State: MO

Complaint narrative:
On XX/XX/XXXX, I entered a consumer credit transaction for a car. This company has violated many of my rights as a federally protected consumer under Title 15 Chapter 41. According to 15 USC 1692g, Validation of Debts, this company failed to put in the initial communication ( contract ), the five ( 5 ) contents of debt listed in in the law, and they failed to send me a written notice with any of the following contents within 5 days. Only other reason they would fail to do this is if the debt was paid for. My failure to dispute the validity of the debt can not be misconstrued as admission of liabilty of the debt but allows the debt collector to assume its valid and I understand this. Therefore I disputed the debt with my Debt Validation letter that I sent the on XX/XX/XXXX, certified mail with a return reciept through mail. Certified Mail Reciept # XXXX. Return Reciept # XXXX. Along with this letter, I sent a Cease and Desist letter requesting them to zero out the balance on the account, to grant me my title lien free, to pay the attached invoice, and deletion from all consumer reports, and other important imformation ; an Invoice for {$21000.00} for 10 violations of my rights as a federally protected consumer. This price included {$10000.00} for they are liable to pay me, according to 15 usc 1692k, civil liabilty and the {$11000.00} was for the amount of money they've collected from me over this alleged debt, that if a debt is disputed, they must return all payments pursuant to XXXX5 USC 1692h, multiple debts ; and an Affidavit of Truth signed and notarized, stating violations as facts and sent proof along with it to state my claim. No where in the contract does it give this company permission to furnish credit information on my behalf, which is FRAUD. " Fraud vititates the most solemn contracts, documents, and even judgements. '' [ U.S. vs. Throckmorton, 98 US 61 ]. The company also continued to contact me and report credit information on my behalf after recieving my documents on XX/XX/XXXX. The company responed to me on XXXX XXXX, XXXX and I recieved the letter on XXXX XXXX, XXXX with a copy of my contract, a chart of all may " late payments '' and a statement telling me that they are required to report my credit information and can not removed them.

Company response to consumer: Closed with explanation