vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Few days ago, I reported a dispute issue I was having with Transunion Credit Reporting Agency. While Transunion agreed to take care of the issue in 60 days, it terminated my access to check the dispute status or report a new dispute since I reported the dispute issue with the CFPB. 
When I try to check my dispute status and use my credential for that ( Username " XXXX '', I am blocked from any further access ). 
Credit Reporting Agency has a duty to refrain from acts that constitute of deem to be an act on a consumer on malice or retaliatory under FCRA. Consumers do have a right if they find any report or service provided by the CRAs to be faulty or incorrect. 
However, Transunion should refrain from this kind of act of malice or retaliation for a complaint.

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 2019-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX IS ON MY XXXX AND EQUIFAX CREDIT FILE AND THAT BILL IS ALREADY BEEN PAID AND HERES THE PROOF AND I EVEN HAVE A CURRENT BILL WITH THEM AND THEY HAVE MY STATUS WRONG, THE DATE OPENED WRONG, THE DATE OF LAST ACTIVITY IS WRONG, AND THE LAST REPORTED DATE IS SHOWING WRONG

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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: IL

Complaint narrative:
Hi after going over credit report and disputing debt for validation Transunion refuses to validate the debts were mines. They have flagged the account and just assumed its mines. I need to see sign contracts and agreements

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 2019-09-09 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: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
I am having this problem with Carrington Mortgage Services LLC, for the last few months.Carrington Mortgage Services, LLC has opened a fraudulent mortgage loan account under my identity information on the XX/XX/XXXX of XX/XX/XXXX with a mortgage loan account number of XXXX. During that time, I had to business relation with Carrington, under which Carringtoncan issue such loan. 
The opening of the loan account was not disclosed by the company to me or to the Credit Reporting Agency for a period of 6 years until XXXX. 
When I discovered the issue first, I filed an identity theft report with the FTC on the XX/XX/XXXX. 
As a result, Carrington Mortgage Services , LLC closed the fraudulent mortgage loan account. Carrington as of today, has not provided any proof that could establish the legal validity of their opening the mortgage loan account. 
However, ever since the month of XX/XX/XXXX, Carrington Mortgage Services has opened and closed the account multiple times for no reason. Under FCRA, the creditor of any loan account is responsible to remove a loan unless and until they are able to furnish any evidence, record or proof in support of a loan agreement executed with a consumer. 
Carrington 's act of opening and closing the loan account is in continuous violation of FCRA and Texas Deceptive Trade Practice Act. 
Since Carrington is a third party mortgage servicer, such act of Carrington also violates FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX IS SHOWING ON MY CREDIT ACCOUNT FROM 2012 AND THEY BEEN PAID, AND I STILL HAVE SERVICE WITH THEM EVEN TO THIS DAY AND HERES PROOF ITN HAS to REACH THE STATUTE OF LIMITATIONS AND NEED TO BE DELETED IMMEDIATELY

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 2019-09-09 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: IL

Complaint narrative:
Hi after going over credit report and disputing debt for validation XXXX refuses to validate the debts were mines. They have flagged the account and just assumed its mines. I need to see sign contracts and agreements

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have a lot of debt on credit bureu but I didnt spell it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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: CA

Complaint narrative:
Mis use of my credit report violation of the Constitution and the Treaties Truth and lending act, 11 U.S. Code Chapter 5, 31 cfr 363.6, 28 U.S. Code 566. Powers and duties, 42 U.S. Code 1983 - Civil action for deprivation of rights 42 U.S. Code 1986 - Action for neglect to prevent 42 U.S. Code 2000a - Prohibition against discrimination or segregation in places of public accommodation 18 U.S. Code 1512 - Tampering with a witness, victim, or an informant 18 U.S. Code 2071 - Concealment, removal, or mutilation generally 18 U.S. Code 1346 - Definition of scheme or artifice to defraud 28 U.S. Code 1346 - United States as defendant 18 U.S. Code 872 - Extortion by officers or employees of the United States 18 U.S. Code 1505 - Obstruction of proceedings before departments, agencies, and committees 5 U.S. Code 7311 - Loyalty and striking 42 U.S. Code 1985 - Conspiracy to interfere with civil rights 18 U.S. Code 245 - Federally protected activities 42 U.S. Code 14141 - Cause of action 18 U.S. Code 1513 - Retaliating against a witness, victim, or an informant 18 U.S. Code 1510 - Obstruction of criminal investigations 5 CFR 2635.702 - Use of public office for private gain.

18 U.S. Code 1918 - Disloyalty and asserting the right to strike against the Government 18 U.S. Code 1506 - Theft or alteration of record or process ; false bail 18 U.S. Code 241 - Conspiracy against rights 18 U.S. Code 242 - Deprivation of rights under color of law trespass on my Estate as Agent in fact and Executor over XXXX XXXX XXXX which is held in XXXX XXXX on the record for the record and fee schedule for damages cause by negligence I demand remedy over the matter I do not want a credit score I have unlimited credit nor a Corporation see RIC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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: CA

Complaint narrative:
I am writing to dispute a fraudulent charge on my account of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Mis use of my credit report violation of the Constitution and the Treaties Truth and lending act, 11 U.S. Code Chapter 5, 31 cfr 363.6, 28 U.S. Code 566. Powers and duties, 42 U.S. Code 1983 - Civil action for deprivation of rights 42 U.S. Code 1986 - Action for neglect to prevent 42 U.S. Code 2000a - Prohibition against discrimination or segregation in places of public accommodation 18 U.S. Code 1512 - Tampering with a witness, victim, or an informant 18 U.S. Code 2071 - Concealment, removal, or mutilation generally 18 U.S. Code 1346 - Definition of scheme or artifice to defraud 28 U.S. Code 1346 - United States as defendant 18 U.S. Code 872 - Extortion by officers or employees of the United States 18 U.S. Code 1505 - Obstruction of proceedings before departments, agencies, and committees 5 U.S. Code 7311 - Loyalty and striking 42 U.S. Code 1985 - Conspiracy to interfere with civil rights 18 U.S. Code 245 - Federally protected activities 42 U.S. Code 14141 - Cause of action 18 U.S. Code 1513 - Retaliating against a witness, victim, or an informant 18 U.S. Code 1510 - Obstruction of criminal investigations 5 CFR 2635.702 - Use of public office for private gain.

18 U.S. Code 1918 - Disloyalty and asserting the right to strike against the Government 18 U.S. Code 1506 - Theft or alteration of record or process ; false bail 18 U.S. Code 241 - Conspiracy against rights 18 U.S. Code 242 - Deprivation of rights under color of law trespass on my Estate as Agent in fact and Executor over XXXX XXXX XXXX which is held in XXXX XXXX on the record for the record and fee schedule for damages cause by negligence I demand remedy over the matter I do not want a credit score I have unlimited credit nor a Corporation see RIC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Mis use of my credit report violation of the Constitution and the Treaties Truth and lending act, 11 U.S. Code Chapter 5, 31 cfr 363.6, 28 U.S. Code 566. Powers and duties, 42 U.S. Code 1983 - Civil action for deprivation of rights 42 U.S. Code 1986 - Action for neglect to prevent 42 U.S. Code 2000a - Prohibition against discrimination or segregation in places of public accommodation 18 U.S. Code 1512 - Tampering with a witness, victim, or an informant 18 U.S. Code 2071 - Concealment, removal, or mutilation generally 18 U.S. Code 1346 - Definition of scheme or artifice to defraud 28 U.S. Code 1346 - United States as defendant 18 U.S. Code 872 - Extortion by officers or employees of the United States 18 U.S. Code 1505 - Obstruction of proceedings before departments, agencies, and committees 5 U.S. Code 7311 - Loyalty and striking 42 U.S. Code 1985 - Conspiracy to interfere with civil rights 18 U.S. Code 245 - Federally protected activities 42 U.S. Code 14141 - Cause of action 18 U.S. Code 1513 - Retaliating against a witness, victim, or an informant 18 U.S. Code 1510 -  Obstruction of criminal investigations 5 CFR 2635.702 - Use of public office for private gain. 
18 U.S. Code 1918 - Disloyalty and asserting the right to strike against the Government 18 U.S. Code 1506 - Theft or alteration of record or process ; false bail 18 U.S. Code 241 - Conspiracy against rights 18 U.S. Code 242 - Deprivation of rights under color of law trespass on my Estate as Agent in fact and Executor over XXXX XXXX XXXX which is held in XXXX XXXX on the record for the record and fee schedule for damages cause by negligence I demand remedy over the matter I do not want a credit score I have unlimited credit nor a Corporation see RIC 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 2019-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)

Complaint narrative:
I have been paying off my mortgage to XXXX XXXX ( XXXX ) the original provider in a regular, automatic fashion. From about the beginning of this year Bayview Loan Servicing have been sending me letters demanding that I pay the same mortgage to THEM. I sent them several letters explaining that their demands are senseless, but they would not listen. ( There was no authorization from mortgage provider to switch. ) They are threatening with foreclosure. They ruined my credit rating and prevented me getting a loan. 
In about XX/XX/XXXX the provider stopped collecting from me. I then switched payments to them. 
For some reason they are pretending not to receive those, even though XX/XX/XXXX and XX/XX/XXXX have been marked in my XXXX account as PAID. 
I am enclosing one of the typical letters. 
The person just designated to look after my account is XXXX XXXX, tel XXXX XXXX XXXX, email : XXXX They keep acting as if had no money to pay. This is not the case, I simply don't want to pay fwice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
In XXXX / XXXX I had trouble making my mortgage payment. I did not have a job and was out of work on a XXXX. I entered into a loan modification program with bank of america in XXXX. The mortgage had not been paid from from XX/XX/XXXX until the modification in XX/XX/XXXX. So it had been twelve months without making a mortgage payment. The mortgage was backed by XXXX XXXX. In XX/XX/XXXX my mortgage was transferred / sold to XXXX XXXX. My complaint is that Bank of America performed mortgage fraud. They were paid for the total mortgage amount that I had owed by the insurance company or XXXX XXXX 90 days after I went into default. So Bank of America did not own my mortgage. So that also means that XXXX XXXX has been taking my mortgage payments and is also performing mortgage fraud. Please perform a Forensic Securitization Forensic Mortgage Fraud Audit.

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 2019-09-09 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: CA

Complaint narrative:
I am writing to dispute a fraudulent charge on my account of {$2200.00}, {$6700.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2200.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6700.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute a fraudulent charge on my account of {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on AUG 01, 2019 and the subsequent response received on AUG 27, 2019 enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

1. DEPTEDXXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 


2. DEPTEDXXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 





3. DEPTEDXXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 


4. DEPTEDXXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my 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 2019-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Ive had my information breached, Due to An bitter ex girlfriend, she has applied for numerous loans and placed massive amounts of hArd and soft inquiries on my credit reports, right when I had a grip on my negative credits markings she has applied to the point my XXXX XXXX XXXX XXXX. Was unable to offer me any credit .. I have XXXX debt

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 2019-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
I called the company ( Exeter Finance ) about sending me supporting documents as to the balance owed in writing specifically, I was told they would be sending that information to me. I have not received anything nor any correspondence as to my request. On an entirely different request I requested the company apply more of my payment to the principle again I was told " they don't do that ''. I am trying to keep up with records and such so I may have good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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: CO

Complaint narrative:
Equifax has been sending rightful claimants threatening letter about their claims. They are clearing attempted to intemidate and undermine the claims process of the average American. This company was wildly irresponsible with my protected data and their behavior in attempting to XXXX over the average Joe is reprehensible. 

They will continue to twist and turn to deny money from less diligent Americans Claim # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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: FL

Complaint narrative:
Experian credit reporting bureau is reporting fraudulent information on my credit report to me.until I pay for my updates, my dispute of XX/XX/2019 was never shown to me online which is experian is the free account given by experian in XXXX since the dispute I have not gotten any updates to my accounts, and lots of emails to update my accounts which I would have to pay, but no answer to my disputes of XX/XX/2019.which experian got 13 1099-c forms and one 1096 form showing payment of accounts by certified mail # XXXX.Experian remains to report those 13 accounts as charge-off when their paid accounts reporting 3 with balances with total amount of $ XXXX.without validation of those debts, because their paid debt.

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