vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-29 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: NV

Complaint narrative:
Equifax has been acting abusive towards my right to privacy and my identity. They have taken my private information and created a record of account with the information attached to a social security number that is not owned by me, it is owned by the Social Security Administration and its also the United States obligation as defined by 18 USC 8. I am the consumer and administor of the account. I do not own it.

I told them the debt and all the negative inquiries are to be removed immediately as they are violating my consumer rights and Civil Rights by unlawfully and untruthfully giving misleading information without my consent or signature for fee.

I called them up on the phone and i asked to see what proof they have that i consented to my information being shared too any third party pursuant to 15 usc 1681B ( a ) ( 2 ). The sales support laughed and said he was not sure.

I would like the CFPB to HELP me get Equifax to send me a signed affidavit that i the consumer gave my consent to furnish any report and violate my civil rights, 42 usc 1983, as this is a complete misrepresentation of facts. 

I do not validate any of the negative information on my report nor do i consent to Equifax furnishing such information to third parties. 

All the negative items and all hard inquiries are to be removed immediately from my report. A truth of Affidavit has been sent to Equifax with an invoice for the 9 violations that I have found. I am seeking Civil Liability pursuant to 15USC 1640 of {$1000.00} per violation which totals up to {$9000.00} that Equifax is in violation of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: AXOS FINANCIAL, INC.
State: MA

Complaint narrative:
XX/XX/2021 and my bank account was at negative balance of {$1200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I would like you to check the origins of three inquires that appeared recently in my credit report. I do not recognize them at all. I want to complain as I have unknown items in my credit report and I ask you to remove them

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 2021-07-29 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: IL

Complaint narrative:
I would like you to check the origins of three inquires that appeared recently in my credit report. I do not recognize them at all. I want to complain as I have unknown items in my credit report and I ask you to remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: IA

Complaint narrative:
The company CREDIT COLLECTION SERVICE have contacted me in regards to attempt to collect a debt that I dont owe to them. 
I XXXX XXXX is the original creditor who didnt sign an documentation with CREDIT COLLECTION SERVICE and have no knowledge of an account with them and dont owe them anything.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc
State: OR

Complaint narrative:
On XX/XX/XXXX, I received a notice from my employer, XXXX, that Checkr , Inc. had reported my drivers license as having expired on XX/XX/XXXX. While I did have a license that expired on that date, I renewed my drivers license on XX/XX/XXXX. I filed a dispute with Checkr, including a photo of my updated license in the report, and they launched a reinvestigation. Today, on XX/XX/XXXX, I received another email from Checkr stating that the information is accurate and they are not changing anything. When I reached out to the phone number provided to contact Checkr, I received a recording that stated they are not accepting calls at this time. The false report now remains on my Checkr background check and interferes with my employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Hello, I just learned that my on-time and auto-pay benefits were turned off in XXXX due to a supposed missed payment. I've been paying this loan for 20 years ( since XXXX with the same bank account ) and have XXXX record of a payment ever missed. 

It is very likely that this happened when the loan changed hands ( which it has many times in 20 years - Nelnet has been the servicer multiple times. ) I have not to my recollection ever missed a payment. As I noted to the servicer in XXXX my wife and I had recently sold a house and had no banking issues at all. 

As this has been on autopay for many years it doesn't add up that a payment would have been missed. I not only was ever informed of the late payment but I only caught it while going through statements and doing the math. If the loan didn't change hands so often I may have found it much sooner. 

Looking for a refund of the overpaid interest going back 14 years. Even 0.25 % adds up over that long of a period. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: NY

Complaint narrative:
Following accounts was disputed FOR ACCURACY several times but I am in fact questioning the method of validation for such investigation : XXXX XXXX Inquiry XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX As per my conversation with Equifax Representative ( XXXX ID # XXXX ) today XXXX they are mailing to me XXXX  of all letters to furnishers and from furnishers to validate to me that their investigation was actually completed. If such copies are not received by me in 15 days as prescribed by FCRA all this accounts in question must be deleted and blocked from the further appearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: MA

Complaint narrative:
Pursuant to complaint XXXX-XXXX, XXXX XXXX XXXX is maintaining that they exercised due process in recording my account as a charge-off even though, through circumstances of their own making, they " clouded '' the title to the recreational vehicle ( aircraft ) for which they were the primary lien-holder thereby rendering it to be un-saleable with a title that could not be cleanly transferred to a new owner. Additionally, they could not even provide me with clear title effectively demonstrating that I myself possessed clear ownership and title to the vehicle. Documentation from a federally bonded, FAA-certified escrow and title company, XXXX XXXX XXXX XXXX, XXXX, are attached demonstrating XXXX XXXX XXXX 's inability to present a " clear '' title of the time of an attempted sale of the aircraft ( XXXX ) on XX/XX/2020.

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 2021-07-29 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: MA

Complaint narrative:
Pursuant to complaint XXXX-XXXX, XXXX  XXXX XXXX is maintaining that they exercised due process in recording my account as a charge-off even though, through circumstances of their own making, they " clouded '' the title to the recreational vehicle ( aircraft ) for which they were the primary lien-holder thereby rendering it to be un-saleable with a title that could not be cleanly transferred to a new owner. Additionally, they could not even provide me with clear title effectively demonstrating that I myself possessed clear ownership and title to the vehicle. Documentation from a federally bonded, FAA-certified escrow and title company, XXXX XXXX XXXX XXXX, XXXX, are attached demonstrating XXXX  XXXX XXXX 's inability to present a " clear '' title of the time of an attempted sale of the aircraft ( XXXX ) on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: Mr. Cooper Group Inc.
State: RI

Complaint narrative:
I saw on my XXXX  Credit Report back in early XX/XX/2021 that my mortgage company, Nationstar Mortgage, said that my mortgage was 30 days past due for the month of XX/XX/2021. I submitted a dispute to Nationstar using their website complaint process on XX/XX/2021. I got an email response saying they need to further investigate the issue on XX/XX/2021. They have incorrectly reported to XXXX  that I was late 30 days on my mortgage payments for both the months of XXXX and XX/XX/2021. I had autopay turned on with their company on XX/XX/2021 after they became my new mortgage company so that this would not happen. When I called Nationstar customer service they said they had no record of me being late and I was never charged a late fee, so I don't know why this information was relayed to XXXX. My credit score has taken a drastic drop since these two errors occurred. I used to have a XXXX score and now it shows XXXX, which is very depressing to me as I have always been very careful with paying my bills and using credit responsibly. 

I have also disputed the error with XXXX, who didn't change anything on my credit report to correct the errors. Worse yet, they say they are not required to look at the issue again unless I have new information because that is all the Fair Credit Reporting Act requires.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
CA Civil code 1785.25 ( c ) mandates the furnisher 's of credit information to add " CONSUMER DISPUTES '' to the furnished information to the credit bureaus. DRS ( Designed Receivable Solution ), even though has been sued under Civil Code 1785.25 ( a ) for furnishing INACCURATE & INCOMPLETE information to the credit bureaus still refuses to comply with the code and add " CONSUMER DISPUTES ''! Additionally, reports a medical bill as LOAN. This way drastically has MISREPRSENTED the case and as a loan claiming interest in on a disputed account. XXXX is the number DRS is registered with the Secretary of State. 
Said conduct of DRS does meet requisite elements of violation of Business and Professions code 17200 as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
It is unfair credit reporting practices to have 28 variations of what my credit score could " possibly '' be. I'm given 3 agencies to work with the rest I have no knowledge of or means of contacting them. My XXXX  says XXXX that's what my score should be without any variations. It is unfair that I the consumer suffer because of unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
After reviewing my credit report, I noticed Midland Credit Management was reporting on an alleged debt. I contacted Midland Credit Management on XX/XX/2021 with a Debt Validation Letter and requested for evidence that I had any legal obligation to pay them. They responded with insufficient evidence as well as violated my federally protected consumer rights. I have never consented to contract with Midland Credit Management nor gave them permission to breach my privacy. They have a total of 8 violations pursuant to 15 USC 1692. I am aware that I am the natural consumer and original creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Self Financial Inc.
State: CA

Complaint narrative:
Credit company SELF INC offers to build credit I Signed up on XX/XX/XXXX Self credit building account Got approved for a loan in a amount of {$530.00} Pay it in 12 month agreement Promised to pay it back after the loan has been payed off XXXX monthly payment Link my bank account automatic payment XX/XX/XXXX SELF INC offered me a SELF CREDIT CARD accepted the credit card No issues with account access Credit limit increased by on time payment 2 accounts same company SELF BUILDING CREDIT SELF INC CREDIT CARD under my name. 
XX/XX/XXXX finished paying the loan XXXX Payed me only XXXX dollars WHY Original payment XXXX Credit card had a XXXX only XXXX dollars to use Payed it on XX/XX/XXXX automatic Have only the credit card credit limit is XXXX My credit reports reads that I have 2 % credit used MAIN ISSUES WHY IM COMPAINING Cant access my account online No chat or talk to someone over the phone Reguarding my account Automatic machine over the phone SOCIAL SECURITY NUMBER AND BIRTH DATE Email response 48hrs Need to update my phone number email password to access my account Automatic machine says my credit card is locked due for over limit XXXX Reused once the limit goes back to XXXX Due date XX/XX/XXXX of a minimum payment of XXXX weird XXXX available credit limit over limit XXXX minuium payment of XXXX dollars doesnt make any sense Cant do anything about it Reached out 4 times over the phone emailed them about the issue Asked me to contact them through my exciting email that they have on file security issues No luck Only this claim

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: KEYCORP
State: WA

Complaint narrative:
XX/XX/21, unauthorized ach withdraw for XXXX XXXX Called to notify and get money back. They issued me a new card and said I half to wait 10 days for REFUND. Gave limited info on who took money. Only told me name XXXX, and last for numbers of account. 10 days past, no results. 
Feel no actions taken by bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I the consumer XXXX XXXX, have unauthorized inquiries present on my consumer report that originated from identity theft. 15 usc 1681 ( c ) -2 states that consumer reporting agencies related to identity theft. Unauthorized inquiries include XXXX XX/XX/21 XXXX/XXXX  XX/XX/21 XXXX XXXXXXXX XXXX XXXXXXXX  XX/XX/21 XXXX XXXX XXXX XX/XX/21 XXXX XXXX XX/XX/21

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 2021-07-29 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: WI

Complaint narrative:
I the consumer XXXX XXXX, have unauthorized inquiries present on my consumer report that originated from identity theft. 15 usc 1681 ( c ) -2 states that consumer reporting agencies related to identity theft. Unauthorized inquiries include XXXX XX/XX/21 XXXX/XXXX  XX/XX/21 XXXX XXXX XX/XX/XXXX XXXX  XX/XX/21 XXXX XXXX XXXX XX/XX/21 XXXX  XXXX XX/XX/21

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
I applied for a loan modification and send in all required items. On XXXX I spoke to fay for an update and they said my file is still in review for a loan modification. They advised me a letter was sent out on XXXX. I never recieved the letter and I have called in a few times yet not one person botherted to infomr me that I needed to send in updated pay stubs. I sent in the requested pay stubs but the issue I have is as follow- Fay Servicing is Dual tracking. My file is in review for a loan modification and has not been approved nor denied. Yet somehow I have a sale date scheduled for XX/XX/XXXX. " Dual tracking '' occurs when a mortgage servicer continues to foreclose on a borrower 's home while simultaneously considering the borrower 's application for a loan modification or other foreclosure avoidance option. 
I called XXXX XXXX/ XXXX  XXXX , the foreclosure attorney on XXXX and they advised me that the sale date is indeeded set and there is no hold. They also stated that they looked into their internal system that they share with Fay and they are 100 % sure the file is active and set for sale. I advised them that my file is in review and they stated they would send an email out to fay to inquire about the situation. 
Since the adoption of the Homeowner 's Bill of Rights in XXXX, California law prohibits dual-tracking. I have been given inaccurate information when I call in to Fay servicing. I did not know that pay stubs needed to be updated.The postal service has been extremly late with my mail. It is infuriating that since this so called letter was sent out, none of the reps felt the need to advise me of any missing items. 
I am demanding that the sale date on my home be postponed as Fay servcing is conducting illegal foreclosures and are not properly handing my file..

Federal Law Prohibits Dual Tracking. The Consumer Financial Protection Bureau ( CFPB ), which the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 established, issued mortgage servicing rules that, after being codified into federal law, went into effect on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: NV

Complaint narrative:
EXPERIAN has been acting abusive towards my right to privacy and my identity. They have taken my private information and created a record of account with the information attached to a social security number that is not owned by me, it is owned by the Social Security Administration and its also the United States obligation as defined by 18 USC 8. I am the consumer and administer of the account. I do not own it.

I told them the debt and all the negative inquiries are to be removed immediately as they are violating my consumer rights and Civil Rights by unlawfully and untruthfully giving misleading information with
out my consent or signature for fee.

I called them up on the phone and i asked to see what proof they have that i consented to my information being shared too any third party pursuant to 15 USC 1681B ( a ) ( 2 ). The sales support laughed and said he was not sure. 
I would like the CFPB to HELP me get EXPERIAN to send me a signed affidavit that i the consumer gave my consent to furnish any report and violate my civil rights, 42 USC 1983, as this is a complete misrepresentation of facts. 

I do not validate any of the negative information on my report nor do i consent to EXPERIAN furnishing such information to third parties.

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 2021-07-30 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 — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
we have disputed that the late payment in XX/XX/2021 should be removed due to a natural disaster declaration by FEMA that occurred that month

Company response to consumer: Closed with explanation