vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-19 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: VA

Complaint narrative:
On XX/XX/2020 XXXXXXXX XXXX received a letter from me addressing the fact that they were in violation of the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30 day period. I sent subsequent letters to XXXXXXXX XXXX on XX/XX/2020 and XX/XX/2020 both addressing the inaccuracies on my credit report. Although XXXXXXXX XXXX responded to one of my letters, they never advised the Credit Bureaus of my direct dispute to update the comment section on my account. The account has never stated that it was ever disputed as required by FCRA laws. I sent Transunion and XXXX documented evidence and a letter dated XX/XX/2020 notifying them of XXXXXXXX XXXX   violation of FCRA Section 623 ( a ) ( 3 ). Both companies did not take action and gave me no response to my 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 2020-09-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
HI MY NAME IS XXXX! - i'm confused the way you're reporting this chargeoff account from bank of america with different dates of last payment, active, open, and inconsistent with account number and open date. also how can you have such inconsistencies with the payment history if you're getting the same information from the furnisher which is bank of america. Again, i'm update! Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 
What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 2020-09-19 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: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: KS

Complaint narrative:
Rushmore is a company who engages in mortgage fraud and deceptive business practices. 

Since XX/XX/2020, all mortgage payments have been paid on time, however this company has continued to report missed payments and an increased mortgage balance. 

On XX/XX/2020, I received a credit alert from XXXX   indicating that my mortgage balance increased almost {$3000.00}. No payments have been missed and I did not request any mortgage assistance under the COVID 19 relief program. In fact, I specifically sent written correspondence to Rushmore that I did not seek any such assistance and that I expected my payments to be reflected as paid on time. 

Rushmore is a crooked shady company and has been the subject of a several consumer fraud lawsuits. This company needs to be investigated by federal and state agencies. ( please see the attached alert ). 

This company continues to violate the Fair Debt Collection Practices Act. 

I can produce a cancelled check and/or bank draft for each and every monthly payment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 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:
How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 2020-09-19 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:
How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 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: MA

Complaint narrative:
How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 2020-09-19 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: FL

Complaint narrative:
Ever since the state of Florida went on lockdown from the Corona Virus, approximately XX/XX/2020, while most consumers may have been focused on their job and finances, I have been focused on addressing the errors on my credit report and trying to improve my credit. I'm aware that the bureaus have 30 days to respond to a complaint. This is required by law. I'm sorry that they may be affected by the pandemic, but this is how the law reads and I'm a consumer that still needs help. I have submitted several disputes since XX/XX/2020 and have received no response through the US Mail. I tried to file a complete through this platform, a while back, but they just told me they are ''still working on my file. '' I'm assuming the Consumer Finance department is getting overwhelmed with complaints. I have  waited patiently the 30 days each time I have submitted disputes with each of the 3 bureaus, but have not received any response, communication of delay, or even explanation as to why they are no longer helping consumers with their credit concerns. I am considering taking further action to get this resolved. I have rights also as an American citizen.

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 2020-09-19 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: FL

Complaint narrative:
Ever since the state of Florida went on lockdown from the Corona Virus, approximately XX/XX/2020, while most consumers may have been focused on their job and finances, I have been focused on addressing the errors on my credit report and trying to improve my credit. I'm aware that the bureaus have 30 days to respond to a complaint. This is required by law. I'm sorry that they may be affected by the pandemic, but this is how the law reads and I'm a consumer that still needs help. I have submitted several disputes since XX/XX/2020 and have received no response through the US Mail. I tried to file a complete through this platform, a while back, but they just told me they are ''still working on my file. '' I'm assuming the Consumer Finance department is getting overwhelmed with complaints. I have  waited patiently the 30 days each time I have submitted disputes with each of the 3 bureaus, but have not received any response, communication of delay, or even explanation as to why they are no longer helping consumers with their credit concerns. I am considering taking further action to get this resolved. I have rights also as an American citizen.

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 2020-09-19 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:
HI MY NAME IS XXXX! - i'm confused the way you're reporting this chargeoff account from XXXX XXXX XXXX with different dates of last payment, active, open, and inconsistent with account number and open date. also how can you have such inconsistencies with the payment history if you're getting the same information from the furnisher which is XXXX XXXX XXXX. Again, i'm update! Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 2020-09-19 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:
HI MY NAME IS XXXX! - i'm confused the way you're reporting this chargeoff account from XXXX XXXX XXXX with different dates of last payment, active, open, and inconsistent with account number and open date. also how can you have such inconsistencies with the payment history if you're getting the same information from the furnisher which is XXXX XXXX XXXX. Again, i'm update! Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 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: MA

Complaint narrative:
HI MY NAME IS XXXX! - i'm confused the way you're reporting this chargeoff account from XXXX XXXX XXXX with different dates of last payment, active, open, and inconsistent with account number and open date. also how can you have such inconsistencies with the payment history if you're getting the same information from the furnisher which is XXXX XXXX XXXX. Again, i'm update! Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 2020-09-19 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: TX

Complaint narrative:
I contacted Equifax about errors they have on my credit report. They have refused to fix these errors and this is badly affect my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Action Collection Service
State: OR

Complaint narrative:
On XX/XX/XXXX, I noticed presistant credit items that were not mine. I have had my identity stolen a few times ; once by a roommate I had in XX/XX/XXXX. That roommate racked up medical bills in my name, using my family information that she obtained by being a roommate with my Aunt and myself. 
Then again, my identity was stolen by a XXXX  XXXX who started giving out my personal information on XXXX, used my identity/ photos to catfis me, and gave it to his XXXX friends on the dark web from XXXX present. 
I didn't know my rights and felt powerless. 
I started reporting this activity ; whilst still getting my life on track, on XX/XX/XXXX. 
I received letter from bankruptcy attorneys and scam type calls incessantly. My friends and family have been consistently harrassed via debt collectors. 
Earlier this year, XX/XX/XXXX debt collectors found out where I live by stalking my residence and gave my information to scam- type bankruptcy lawyers. When I refused to file bankruptcy because these are not my debts ; XXXX XXXX  was the first debt collector to file suit. I was getting prepared to defend myself, as I can't afford a lawyer, when Covid19 stopped everything ( court date was for XX/XX/XXXX ). 

On XX/XX/XXXX, the credit agency Action Collections sent me a letter that they were going to pursue charges. I attempted to reach out via letter a few times to tell them to stop, that this isn't my debt and to  please stop- I can't afford food, I'm XXXX not XXXX  ( as the medical bills indicate " XXXX  '' ) and these medical bills are from malicious people stealing my identity. They did not listen. I am writing this report and sending them a third letter to please free me from this. 
Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
While applying for an automotive refinance, the bank notified me of a collection that just popped up. I immediately called the collection agency to ask what this debt was. They told me that they had notified me in writing on XX/XX/XXXX. I have the USPS scan and provide me with images of my daily mail prior to delivery so this can be clearly disputed. On or about XX/XX/XXXX, I spoke with XXXX, the person who answered my call at XXXX XXXX out of XXXX, TX, that the only strange call I received that might have been some attempt was an UNKNOWN number calling me. The caller immediately asked if was the person they were looking for and I said, " yes '' and asked who they were. They told me that unless I verified my identity by providing my address and social security number that they could not even tell me who they were. With " phishing '' and identity theft being a nightmare, I refused and asked who this person was, eventually the call ended. XXXX said that could not be them because that was illegal. Upon looking at reviews on the XXXX website, there is a CLEAR pattern that this is their tactic. Many many reviews suggest that the same " tactic '' was used. Additionally, XXXX stated on the recorded line that he was not sure how or why XXXX was pushing this after all of these years. He suggested not paying it because I could dispute it with all 3 depositories and it would be removed based on the age alone. XXXX removed it within a matter of hours. 

After talking to XXXX, I messaged XXXX ( the company owed the collection ) on XXXX. They quickly verified everything and apologized to me, crediting my account to a {$0.00} balance with rep sending me a message saying " Considering I can date your account history all the way back to XXXX, I would like to just credit this balance for you. You were a great customer here for years and taking care of this amount is one little thing I can do to show we appreciate your time here. '' Had Southwest Collections identified themselves, notified me in writing, or actually made an attempt to let me know about this, I would have immediately called XXXX and likely gotten the same resolve without having it impact my credit. I had a XXXX credit score with  nothing derogatory on my profile. I had over {$20000.00} in my account and would have offered to pay the piddly {$110.00} instead of getting declined for a car loan that forced me into accepting a much higher rate at a different bank that will cost me {$4500.00} over the life of the loan. As a result of my loan denial, this has become " Actual Damages '' and something I can not recover from without legal intervention. 

As I stated, if you look into complaints about this company, you will notice a big pattern of this. Both their phone records and mine should verify this. Their recordings should validate everything I have stated in this, as well as my messages and emails from XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 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: MA

Complaint narrative:
Hello ; How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent, and unverifiable Info. How can you honestly say that you verified as it is accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of the consumer to dispute information directly with the furnisher. 

Also, the creditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the balance on the account. I didnt receive this paperwork and you need to remove this account immediately. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 2020-09-19 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: MA

Complaint narrative:
Hello ; How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent, and unverifiable Info. How can you honestly say that you verified as it is accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of the consumer to dispute information directly with the furnisher.

Also, the creditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the balance on the account. I didnt receive this paperwork and you need to remove this account immediately.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation