vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means XXXX has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX/XXXX-XXXX-Balance : {$990.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I HAVE BEEN DISPUTING AND REQUESTING FOR VALIDATION FOR THIS ACCOUNT FOR OVER 280 DAYS. THEY HAVE FAILED EVERY TIME TO SEND ME ANY SORT OF DOCUMENTATION PROVING THIS IS MY ACCOUNT IN ANY WAY. I HAVE REQUESTED THAT THEY REMOVE THE ACCOUNT FOR FAILURE TO ABIDE BY THE FCRA. THE LAST TIME I SPOKE WITH THEM THEY TOLD ME IT WAS REMOVED AND THEY WERE NOT REPORTING IT. THAT WAS A LIE. THAT WAS OVER 60 DAYS AGO. THEY HAVE NOT COMPLIED BY THE LAW AND REFUSE TO REMOVE THIS FROM MY REPORT MY LAST LETTER STATED This letter is formal notice that you have failed to respond in a timely manner to my dispute letter, deposited by registered mail with the U.S. Postal Service on that date.

Federal law requires you to respond within thirty ( 30 ) days or more, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Direct Recovery Services, LLC
State: VA

Complaint narrative:
I keep getting emails, phoe calls and texts from someone threatening me from XXXX.directory.services.com XXXX Ref # : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My rights continue to be violated! There is fraudulent activity that I have reported that remains on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: ME

Complaint narrative:
On XX/XX/2018, My report shows two driving violations that where not convictions. They where violations that where later dropped. Lexus Nexis was in error reporting these incidents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: SLM CORPORATION
State: NJ

Complaint narrative:
I have reached out to sallie mae ( XXXX ) at least once a month since XX/XX/XXXX to have them report my account as closed and settled. They had misreported my account as delinquent in XXXX and neglected to take action on my requests to report the settled balance. Further, I opened multiple disputes with all three credit bureaus to resolve the issues. The bureaus cleared the delinquent reporting for XXXX but did not correct the account settlement issue. Dispute Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Simon's Agency, Inc.
State: PA

Complaint narrative:
I am XXXX XXXX I am submitting this complaint for myself. My XXXX credit report dated XX/XX/21 as well as my XXXX report dated XX/XX/21 shows a debt collector by the name of Simons Agency Inc. I have never had an account with this agency. On XX/XX/21 a request for validation of this alleged debt was sent. Pursuant to 1692g this agency under law has 5 days to furnish this information. This agency is in violation ( pursuant to law ) of my privacy. My written permission was never furnished and my request for validation was ignored. Correspondences were sent via certified mail XX/XX/21 & XX/XX/21.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NC

Complaint narrative:
Due to the COVID-19 pandemic, I experienced a dramatic cut in employment and income. So I reached out to my Mortgage lender " Lakeview Loan Servicing, '' to apply for forbearance under the CARES Act, due to meeting the qualifications ( i.e. FHA loan etc ) ; this allowed my forbearance to began XX/XX/XXXX. I applied for a 90 day term of forbearance on Lakeview 's website. After being approved, I received a pdf document from Lakeview saying that my " Forbearance Plan has been Approved. '' On this same document, it says that the " term of your forbearance plan will be up to 180 days '' ( although my initial request was only 90 days at first ). Having no improvement in my previously mentioned work and income status, I logged onto the Lakeview Loan Servicing website, to attempt to extend my forbearance ; to use the 180 days. Although the Lakeview website appears to direct you to the previous online process for requesting/extending your forbearance, the actual webpage 's call-to-action button labeled " Extend Term '' when clicked onreally only produces a phone number with the message : " Call Customer Service. To learn more about extending your forbearance plan, please call our Mortgage Assistance team at XXXX. '' Upon calling the Customer Service number to extend to 180 days, multiple times on the following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I get the same response from the reps : " To extend your forbearance, we have to first review your loan ; we will contact you as soon as we do to let you know our decision '' or " we will escalate the handling of your request and contact you within 3-5 days to let you know our decision after we have reviewed your loan since our notes indicate you called earlier. '' When I ask the customer service reps " What is it that needs to be reviewed regarding my loan, that is taking so long ( more than a month ) to review? '' the responses vary, from being told that I've been " denied, '' to the latest being : " We have it in our notes that you have forbearance but the forbearance code is not showing up in our system, so we need to review it. '' Lakeview diligently communicates with mevia phone and email to let me know that my 90 day forbearance request is coming to an end or ending, but has not been able to contact me onceas they promised regarding my multiple requests to extend/update the status of my forbearance to 180 days, in harmony not only with the CARES Act, but really also with the initial approval letter from them that already indicates that my forbearance term is 180 days.

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 2021-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
You removed this account and then placed it back on my credit file. Against eviction moratorium in 2020 this should not have been placed on my file. The balance is inaccurate as well.

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 2021-09-30 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I have disputed this bankruptcy several times. However this time I provided proof that The Us court does not report to them.. They refused to remove the this item.. They also completely ignored the other request! I requested to have them both removed immediately.. They Denied one and ignored the other..

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 2021-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
XXXX has yet to respond to my dispute and contact the companies regarding info. Equifax and XXXX is also reporting my student loans incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My rights continue to be violated! There is fraudulent activity that I have reported that remains on my credit profile.

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 2021-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
I have National Credit Systems on my credit report for a debt ( {$6500.00} ) I have no knowledge of, they are collecting a debt they bought from a company I used to have dealings with but they never told me about this debt. I have asked XXXX XXXX to remove it from my report and they refuse, I have asked them to validate the debt and they refuse, there is no contract between them and the other company for them to collect on their behalf, I have also received threats from this company and harassing phone calls to not only me but one of my relatives. I sent a validation letter to them with a response of they didn't have to validate this debt and they state that there is a law suit against me but when I check with the courts they would've had to go through they state there is no suits or judgements against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: NJ

Complaint narrative:
I have reached out to XXXX XXXX ( XXXX ) at least once a month since XX/XX/XXXX to have them report my account as closed and settled. They had misreported my account as delinquent in XXXX and neglected to take action on my requests to report the settled balance. Further, I opened multiple disputes with all three credit bureaus to resolve the issues. The bureaus cleared the delinquent reporting for XXXX but did not correct the account settlement issue. Dispute Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Professional Recovery Management
State: SC

Complaint narrative:
A representative from Fox Collections in XXXX, Tennessee ( XXXX ) called from ( XXXX ) XXXX and discussed my debt with my dad. She did not even try to verify identity with a date of birth or social it anything, just address before she started releasing my personal information about a debt to my Dad. This occurred at XXXX XXXX  on Thursday XXXX XXXX. On my dads phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
XXXX/XXXX/XXXX received a promotion as below Starting XX/XX/XXXX you can earn up to {$180.00} over the next six consecutive calendar months by simply using HSBC for your everyday banking. Offer ends XX/XX/XXXX. 
In XXXX and XX/XX/XXXX i have completed these qualified transactions and received {$30.00} ( {$15.00} for bill pay and {$15.00} for debit card transactions ) for XX/XX/XXXX posted on XX/XX/XXXX as i didnt receive credit for XXXX transactions, i have contacted HSBC so many times, end of XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX ), they keep saying they escalated the issue and get back to me but no hear from them. it supposed to post it on my account 8 weeks after completion- it means it should post it end of XXXX per their customer service. it has not been posted and i waited till end of XXXX and the account to be active. i didnt hear anything. to avoid any fees on account, i closed the account today but i should be eligible to revieve this fund as this credit should be posted end of XXXX and my account was active. 
Please see attachment for their promotion offer email and my transactions as proof of eligibility. transactions shows " XXXX '' next to it are XXXX transactions and credit for those transations are posted. ones for XXXX were not credit yet - more than XXXX debit transactions for XXXX and more than XXXX bill pay for XXXX that should qualify for {$15.00} each credit. whenever i called the customer service, they had different excuses that is not true statement like this offer is not for you ... or promotion ended in XXXX... i have a proof of email from XXXX and they finally agreed but no credit was posted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On Thursday, XX/XX/XXXX, I received four alerts for changes to my Equifax credit report for four accounts. The FIRST alert indicated that my XXXX Credit Card loan type had been changed from a regular Credit Card to a XXXX XXXX Credit Card for every month retroactive to XX/XX/XXXX. I immediately contacted XXXX XXXX, who informed me that my account is not a XXXX XXXX Credit Card and that they did not report this change to Equifax. This call was recorded for reference. It is important to note that XXXX XXXX XXXX XXXX are not included in credit scores. My credit score dropped as a result of this change. Equifax also added a comment " Amount in h/c column is credit limit ''. This is incorrect and was not reported by XXXX. This is explained further in the next three alerts. The SECOND alert indicated a comment had been added to my XXXX XXXX account stating " Amount in h/c column is credit limit ''. This comment is incorrectly stating that the amount reflected in the 'High Credit column is the credit limit for the account. I confirmed the correct credit limit for this account with XXXX XXXX. The amount reflected in the 'Credit Limit ' column is the correct credit limit for this account. XXXX XXXX is indicating that they did not report this change, which negatively impacts my credit score. The THIRD and FOURTH alerts indicated that comments had been added to my XXXX XXXX  XXXX and XXXX XXXX  XXXX accounts stating " Amount in h/c column is credit limit ''. These comments incorrectly sated that the amounts reflected in the 'High Credit ' columns is the credit limits for these accounts. I confirmed the correct credit limits for these accounts with XXXX XXXX. The amount reflected in the 'Credit Limit ' column is the correct credit limit for these accounts. XXXX XXXX  is indicating that they did not report these changes and are opening up an investigation into why these changes were made. These changes appear to be retaliatory in nature against me. Further, after my prior complaint against Equifax regarding the incorrect factors they used to determine my credit score, a change was made to my credit profile with updated factors. These factors are also incorrect. So although Equifax failed to respond appropriately to my prior complaint, they did update the factors determining my credit score with more incorrect factors. I have attached screenshots of all claims in this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equfax has not allowed me to continue to submit disputes and has prevented accurate information and/or removal of an account that does not belong to me. 

I sent a copy of the court documents showing this was an invalid collection account and they still continue to report the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX has not allowed me to continue to submit disputes and has prevented accurate information and/or removal of an account that does not belong to me. 

I sent a copy of the court documents showing this was an invalid collection account and they still continue to report the information.

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