vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-30 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: FL

Complaint narrative:
i noticed a violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following15 us code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Meaning that if you do not have or havent gotten any written instructions from me ( the consumer ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instruction to furnish any of the following accounts. Secondly according to the 15 us code 1681.The law clearly states 1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. I need financing for a car and this inaccurate report is hindering me. As the consumer I demand the following accounts be removed from my credit report immediately. In addition I demand to have a copy of my updated consumer report once the following changes have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc.
State: OH

Complaint narrative:
The database residence information includes an address in which my spouse and I never lived. Neither of us ever lived at this address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SOUTHWEST COLLECTION SERVICES INC.
State: CA

Complaint narrative:
I have received a response from my first complaint from southwest collections svc stating they have not contacted me since 2015. I have a saved voicemail from XXXX for the law offices of XXXX XXXX just left less than 60 days ago. There is a judgment but that judgment only last for 7 years. You are not legally allowed to damage my credit by pulling it under false reason of opening a new account which I have provided proof that you have done. Do not contact me since it is passed the legal statute of limitations or I will take further action. In regards to threatening jail or suing, this is what you threatened me with when we first went through the court process. My mom was there when you were being aggressive and unconcerned about what was happening. Stop pulling my credit stating its a new account which is a lie and is not permissible since the limitation to obtain the debt is passed its 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: MA

Complaint narrative:
Hi for some reason you guys are saying my complaint isn't me. Here I am again fighting to get my complaint heard due to my rights being broken. It's been more than 30 days I haven't heard anything from the credit bureaus. I did my research and it's against FCRA to have inaccurate information being reported. Also Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. Please help me, this is messing with my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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:
I sent a letter to TransUnion and also called TransUnion there is a hard inquiry on my credit from XXXX XXXX XXXX that is an error I also mailed XXXX XXXX XXXX and called XXXX XXXX XXXX and when I call the XXXX XXXX XXXX  I give them my information and the employees keep hanging up on me this needs to be taken off

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 2021-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Have not received a response after 30 days of filing a dispute

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 2021-06-30 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian furnish unknown inquiries on my credit report that I dont recognize and did not authorize UNDER 15 USC 1692e & 15 XXXX XXXX they are in violation of the FCRA and I want these inquiries removed immediately Rentgrow XX/XX/XXXX XXXX XX/XX/XXXX XXXX card XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2021-06-30 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: WV

Complaint narrative:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2020. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: FL

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: LEXISNEXIS
State: NJ

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: Carvana Group, LLC
State: MD

Complaint narrative:
I purchased a car from Carvana on XX/XX/2021. Its now XX/XX/2021 and I haven't received a title. The contract has be reconstructed two times due to Carvana 's mistakes in the paper work. The car broke down in XXXX and it was repaired. In XXXX I recieved an email saying I hadn't made my car payments although I did. I called XXXX which is the company that manages Carvana 's car loans and they told me the account had been closed. I called Carvana back and they told me the loan was being reconstructed. I then get an email telling me to sign the new documents and the interest rate is incorrect. So now they have to rebuild the contract again. My car breaks down on XX/XX/2021. I call the warranty company and they tell me that the warranty was cancelled on XX/XX/XXXX. The vehicle is now stuck on the side of the road. I call Carvana and they tell me that I didn't sign the contract. Then she looks in the system is sees that I did sign the contract. I talked to two agents from Carvana and got disconnected from both. I check my email on XX/XX/2021 and I now have an email saying I owe {$2700.00}. I call XXXX and they say if I make a payment today they can stop the charge off. I made my payments from XXXX to XXXX and the account was closed in XXXX. Now I am stuck owing money that I already paid and without a car. All of this has happened in the last 6 months. The vehicle still has temporary tags and no one can tell me when and how to resolve this issue. This is causing undue stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Titan Revenue Solutions
State: CA

Complaint narrative:
I have filed disputes regarding Titian revenue solutions and provided proof that they have been reporting an account that does not belong to me. They have now started to call me and attempt to collect the debt even without providing proof or even investigating. I've had this dispute open since XX/XX/2020 and this has not been removed. I have had numerous problems due to XXXX XXXX data breach and they are not helpful at all in resolving issues. I'm trying to buy a home for my family but can not because they wont do what is required under the FCRA. I've written letters and called and there is no way to reach a person at XXXX directly. The documents they sent my address is not sufficient proof, no proof of identity it's just papers with some of my personal information nothing else. The credit bureaus and XXXX Revenue do not adhere to the laws that govern the reporting to a consumer 's credit report. None the less my participation in the class action lawsuit that XXXX  was involved in regarding their data breach that I was a victim of offers no real resolution to these issues and its unfair to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: TX

Complaint narrative:
XX/XX/2021 to XX/XX/2021 I have multiple screen shots and bank statements that prove cash app or square inc took XXXX from my account over a month time frame.. which XXXX is unaccounted for according to their statements and my transactions. I have repeatedly tried to get ahold of someone since XX/XX/2021. I haven't had a response or even got to talk to someone. This isn't fair im going to school getting my bachelors in XXXX. I graduate next year I work hard for my money and don't bother anyone.. they shouldn't be allowed to take our money ... transactions to statements still doesn't add up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: MO

Complaint narrative:
XX/XX/21, did a wire transfer from XXXX XXXX acct XXXX to PNC bank acct XXXX. This was for the purchase of a classic car. The car was fake and I tried to get wire transfer cancelled/ reversed without any luck

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CO

Complaint narrative:
on or about XX/XX/2021, I received a notice from Credit Collection Services that I owed XXXX {$330.00}. I called CCS and advised them to send me proof of services and debt. CCS referred me to XXXX and I explained to CCS that they need to send me the proof of services and debt if they are collecting on XXXX 's behalf. On or about XX/XX/2021 XXXX sent me notice that they will report me to all three credit bureau if I don't pay by XX/XX/2021. I called XXXX and advised them that I have not received any documentation from them on the said debt and or services from XXXX. They told me that they would send me the Health Insurance Claim form. I did receive the Health Insurance claim from which had my name and date of birth, however, it had a bad address and doctor that I had never seen or heard of. The Claim form had 'signature on file ' and no verification or actual signature. I requested that CCS go back and send me proof of debt/ service with my signature authorization such as service and doctor. CCS did not send me proof and reported me to all three credit bureaus.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$4100.00} Reason : Identity theft Please remove it from my credit report. 

Account Name : CB/WAYFAIR Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$0.00} Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$3300.00} Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$4900.00} Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX/XXXX  Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$1600.00} Reason : Identity theft Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc.
State: MN

Complaint narrative:
On XX/XX/2021 at XXXX XXXX  and XXXX XXXX, respectively, I received 2 back-to-back calls from phone number XXXX stating the following " We have a message from State Collection Service ; this is a call from a debt collector please call XXXX '' ( and the second voice mail left the exact same message, but with phone number XXXX ). 
Upon researching State Collection Service, I discovered they are located in XXXX, WI -- an area code of XXXX, NOT XXXX ( which is norther MN area code ). I also read their MANY customer reviews, 95 % of which accused State Collection Service of being fraudulent and/or collecting debts in illegal manners that do not comply with standard debt collection practices ( over charging their credit cards, threatening them, using vulgar language, reporting non-payment to the credit bureaus even when they paid, etc. ) I have ZERO debt, as I pay my bills using automatic payments to my credit card ( and then pay that down to XXXX multiple times each month ). Things like my mortgage are ALWAYS paid on time, and my auto loan is so new that I do not even owe my first payment on it yet. 

I had ONE case where a medical bill of {$25.00} was sent to collections ; however my paid-in-full check for {$25.00} was in the mail at the same time that XXXX sent that past-due bill to collections, and this was after their representative told me NOT to pay it as my assistance application was being reviewed ( to which I have still not heard back regarding that status, hence why I just paid the {$25.00} off in full. ) -- ALL of this was explained to the debt collector who called me. That issue was no more, as XXXX received my payment, and all debts were settled. 
I have recently ( and by recently, I mean yesterday ) looked to see if I had an ( y ) outstanding bill ( s ) with XXXX as I have been going in for numerous appointments as of late to diagnose potential XXXX. My running balance as of XX/XX/2021 is {$0.00}. 

Due to the fact that my ONE collections experience was a total mishap, my recent balance due being {$0.00}, all bills paid up in full amounts owed for the period, and the fact that I manage my finances EXCEPTIONALLY well, I do believe that this attempt to collect a debt ( that I obviously do not owe ) is FRUAD, and I would expect that this report be taken seriously so that someone in a less-managed position than I am in can avoid being taken advantage of by these criminals.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XX/XX/2021 at about XXXX my access to my online account was suspended. After sitting on hold for an hour and being transferred around to their various departments, I was told the only way to unlock my account was to physically visit a branch with 2 forms of identification. This isn't plausible given my distance from Chase branches.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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 advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2020 I applied for an extension of credit at a car dealer. Drove off the lot and on XX/XX/XXXX, the dealer left a voicemail stating that Capital One denied my extension. On XX/XX/2020 the dealer came and repoed the vehicle. Cause serious damage to my life with these adverse actions against me. Pursuant to 15 USC 1692 im invoke my consumer and creditor status. I never recieved the reason for my credit denial which is an individual action and violation which holds XXXX civil liability.

Company response to consumer: Closed with explanation