vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-04 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: Southwest Collection Services, LLC
State: LA

Complaint narrative:
To whom it may concern, Pursuant to 15 U.S. Code 1681a- Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.

( 3 ) Restrictions on sharing of Medical Information.

Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by coperate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the Consumer for medical products or services ; or ( C ) an aggregate list of identified Consumers based on payment transactions for medical products or services.

Pursuant to 15 U.S. Code 1681b- Permissible purposes of Consumer reports ( a ) IN GENERAL Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates. 

As a Federal protected Consumer, I never gave XXXX  any written consent to report anything on my consumer report, No consent is Identity Theft. Proof of the law Persuant to 15 U.S. Code 1681b is attend with this complaint. 

Concerning the accounts listed below as a Consumer Im demanding a deletion of these accounts : Southwest Collection Services- ACCOUNT NUMBER XXXX Southwest Collection Services- ACCOUNT NUMBER XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have sent out an complaint about inaccurate information that is being report on my credit report. It has been well over 30 day with no responds as an consumer under 15 USC 1681 ( a ) under the exclusion section under ( b ) anything that was extended or authorized from my credit card should be excluded from my consumer 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 2021-07-04 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: GA

Complaint narrative:
I have sent out an complaint about inaccurate information that is being report on my credit report. It has been well over 30 day with no responds as an consumer under 15 USC 1681 ( a ) under the exclusion section under ( b ) anything that was extended or authorized from my credit card should be excluded from my consumer 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 2021-07-04 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: GA

Complaint narrative:
I have sent out an complaint about inaccurate information that is being report on my credit report. It has been well over 30 day with no responds as an consumer under 15 USC 1681 ( a ) under the exclusion section under ( b ) anything that was extended or authorized from my credit card should be excluded from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 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: MN

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
I filed a dispute on the credit bureaus regarding XXXX XXXX XXXX XXXX stating this is NOT my bill. I have been with XXXX XXXX for years. But the debt is still on my account as a collection. Please help to get this removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 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:
I sent a letter previously ( XX/XX/2021 ), asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes. 

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
Vehicle loan with Santander. I sold this vehicle on XX/XX/XXXX and had a total payoff balance given to XXXX XXXX  XXXX. Santander reported payment late in XX/XX/XXXX after it was sold. I have disputed and it has not been reflected accurately. I want this reported as current. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Cawley & Bergmann, LLP
State: RI

Complaint narrative:
Every time they call, I explain I can not afford it at the moment and I will call when I can. I told them 3 times to not contact me and they said they would not. Yet they keep calling me.

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 2021-07-04 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: SinglePoint GI
State: UT

Complaint narrative:
General revenue is violating my rights under section FCRA 605 B, by reporting fraudulent balances on my credit report. This is now the second offense of them doing these actions. I attend to bring litigation in third district court if this reporting is not immediately removed within the next 4 business days. They have also failed to contact the XXXX XXXX police department and retrieve the police documents after being given the police report numbers. Instead they negligently reported to the credit bureaus. Under section FCRA 623 it their sole responsibility to gather this information which they didnt do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 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: LA

Complaint narrative:
I sent a letter previously ( XX/XX/2021 ), asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
Comenity bank consistently calls and begins discussing past due accounts without verifying who they are speaking to. They also do not identify themselves at the onset of the call

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
Previous request was closed as duplicate, ich is not!!! THIS DEBT DOES NOT BELONG TO ME! LVNV reported balance of {$620.00} which is not mine. It was reported and deleted from XXXX and XXXX now refuse to delete from my XXXX credit report account. I need this resolved ASAP. This has a financial impact on my XXXX credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
I have been in my home since XX/XX/XXXX and have never missed or paid a payment late. My credit score is XXXX last I checked. I have requested that PMI insurance be eliminated from my payment, but XXXX XXXX XXXX XXXX refuses. They made me pay {$100.00} for a Broker 's Opinion on or about XX/XX/XXXX, but the value only came in at {$300000.00}, and although I paid for the opinion, they did not give me a copy or any of the supporting comps documentation. The broker that prepared the opinion is from the XXXX area ; three hours away from XXXX, TX where I live. Citizens One states I need to have a balance owed of {$240000.00} or less to have the PMI removed. I owe {$250000.00} on my mortgage ; there is no other mortgages on the house and at that balance, my loan to value is 84.2 % ; the XXXX needs to be 80 % or less. In XX/XX/XXXX, I received my XXXX Notice of Appraised Value from the Central Appraisal District of XXXX XXXX ( Texas ) and they indicated my tax value is {$330000.00} which correlates to a XXXX of 77 %. When I requested Citizens One to review this, they just sent me the same letter they did after the Broker 's Opinion. If XXXX County believes the values in the area are higher based on sales they have seen in the area, then they know more than some broker located in XXXX that is not familiar with this area. All I want is the PMI removed. I have paid XXXX years perfect ; nothing is going to change.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am in disagreement with the items listed which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies and Misleading False Reporting are highly injurious to my credit rating. 
All was Disputed on XX/XX/2021 No was not Taken

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 2021-07-04 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: MN

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I purchased a bike that I saw on XXXX ad. I purchased it on XX/XX/2021. I know that with Covid-19 shipping has been slow so I waited until the XXXX of XX/XX/2021 and because I did not receive the bike by then I filed a dispute with my card company. They put a hold on the payment until they did an investigation. A couple weeks went by and they sent me a letter stating I was responsible for the payment. I still haven't received the bike. I sent them pictures of the ad I had, the company I ordered the bike from And yesterday I checked the site and found out it was a scam/a fraudulent site. Which I sent them this information as well. But they refuse to reopen my dispute which a payment is due on the XXXX of XX/XX/2021 ...

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 2021-07-04 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: VA

Complaint narrative:
Previous request was closed as duplicate!!! It was not resolved!!!! THIS DEBT DOES NOT BELONG TO ME! XXXX reported balance of {$620.00} which is not mine. It was reported and deleted from XXXX  and XXXX  now refuse to delete from my experian credit report account!

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 2021-07-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
The Collection Company, ( ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX is attempting to collect a debt from me that I DO NOT OWE. I have never entered into any business arrangements nor have I signed any contracts to conduct any kind of business with this company. This company is a 3rd party collector and has absolutely no permission to furnish any information on my credit report. The law states that before you collect any information about me you have to get my authorization to access my credit report for any purpose and unfortunately this company did not follow the proper protocols and is in violation of the Law. I have recently requested VALIDATION OF DEBT from this company which includes providing me with : PROOF OF CONTRACT, a certified copy of an authenticated original contract with my signature, specifically naming XXXX XXXX XXXX XXXX XXXX ) as an entity entitled to enforce a commercial claim against me, and verification of all data for this account, every notation, dates, and balances. This company has yet to respond to my VALIDATION REQUEST AND IT'S CONDITIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United PanAm Financial Corp.
State: NY

Complaint narrative:
I recently received a copy of my credit report which showed several unauthorized and fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Affidavit, and Police Report ) .after a short vacation in XXXX XXXX , Florida . I don't have any knowledge of these accounts being open, and any contract bearing my physical WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it. I requested proof from the creditor, and they were unable to provide me with any proof otherwise. The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification proof of the original signed consumer contract ( i.e. an original consumer contract with my signature on it XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 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: OH

Complaint narrative:
I paid a debt collector to pay off a debt is had. Filed a dispute with experian and showed proof I paid that off what we agreeded on and they still didnt take it off 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 2021-07-04 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: NV

Complaint narrative:
I have used 5 XXXX XXXX over the past one year. I always had an issue with spending the last dollar or two. I contacted customer support and they do not know why I can not use this. I tossed these cards. This is the 5th card and I decided to report the problem. 

I can check the balance ( XXXX cents ) online ( see attached ) but unable to use this online or at store. I tried at XXXX, XXXX XXXX, and XXXX XXXX XXXX  XXXX. At cash out, I asked the associate to put numbers manually and run this as credit. It just does not go through. 

I could toss this one, but this is not fair. This is WRONG.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MI

Complaint narrative:
Have been getting repeated phone calls from Jefferson Capital about XXXX XXXX. I sent Jefferson Capital a verification letter about this and have not received a response back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THIS COMPLAINT IS ABOUT EQUIFAX CREDIT REPORTING DETERMINE TO KEEP XXXX, XXXX AND XXXX, XXXX XXXX  ON MY CREDIT REPORT AFTER I HAVE ASKED FOR EQUIFAX TO PROVIDE PROOF FROM THE AMOUNT IS IN FACT INCORRECT. I HAVE REASONS TO BELIEVE XXXX, XXXX AND XXXX ARE INVOLVED IN A LAWSUIT NOW REGARDING FASIFYING DOCUMENT WITH THE COURT SYSTEM. XXXX XXXX HAS CONTINUE TO FASIFY INFORMATION TO EQUIFAX THAT THEY WERE NEVER A THIRD PARTY THAT WAS NEVER EXPLAINED IN WRITING THERE WOULD BE CONSEQUENCES IN THE EVENT THE REAIMING BILL WAS NEVER PAID. XXXX XXXX HAS CLOSED THE ACCOUNT WITH NO COLLECTION AGENCY INVOLED, SO WHY IS EQUIFAX CONTINUE TO ACCEPT FALSE INFORMATION FROM THEM?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
Current mortgage with Loancare. In 201o I was diagnosed with a life threatening illness which forced me to stop working as I needed medical care and few surgeries to save my life. I fell behind on mortgage payments. I then reached out to the mortgage company and applied for a forbearance and then a modification. In 2020 I was approved for the modification. I have submitted all the docs and my modification has been recorded in public records. I am making the modified payment however the mortgage company is still reporting my payment as late and still showing the account in default on my credit report. I have tried reaching out to the mortgage company to correct the status of my account but not getting an answer as to why my account is still in collection status. Please 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 explanation