vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX To whom it may concern : I would like to file a complaint against Equifax credit reporting agency. For years this credit reporting agency has intentionally continued to report inaccuracies to my credit file. 

Equifax has continued to report fraudulent false information onto my credit file, and they have refused to make the accurate deletions, and corrections to my file. 

I am enclosing a copy of a letter that I just received from XXXX XXXX ; this letter is dated XX/XX/2019, and XXXX is claiming that I have a delinquent or derogatory Real Estate Secured loan on my Equifax credit report. 
XXXX XXXX has claimed that Equifax has provided this information to them. 

I have one mortgage loan on my credit file, which is with XXXX XXXX, and for years I have disputed the fraudulent false information that Equifax insists on maintaining onto my credit file. 

Equifax credit reporting has continued to falsely and fraudulently report onto my credit file, that I have been late many, many, many times on my mortgage payments with XXXX XXXX. 
For years they have reported all sorts of fraudulent late payments all over my credit file with this mortgage loan. 

For many years now, Equifax has reported all sorts of fraudulent false status information regarding my XXXX XXXX. 

And for years whenever I have disputed the false, fraudulent information, between the Mortgage Company and Equifax, they have both done all sorts of deceitful fraudulent acts with my loan. 

I have never been late with any payments to XXXX XXXX, what Equifax is reporting is untrue false information ; I have had all sorts of issues with inaccuracies from them, as well as the mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
XXXX PayPal lied to you and said they fixed this problem. The problem was not fixed, at all. 

I want to send money from PayPal, not from a linked account or card. Paypal will not let me do that even though it told you that this problem had been fixed. 

You said you would email me PayPal 's response bt you have not done that yet. Please do so. The agent I spoke with this morning read me the last part of their response and they said they fixes the problem. They did NOT fix the problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
XX/XX/2019 I needed a refund from a store that could only refund via CC. The prepaid card I purchased and have the refund on is called Bluebird, backed by American Express, then involved with a third party called SERV. The temporary card receive a refund for {$110.00} in the first week of XXXX, which Bluebird themselves told me. However, there was an error on their website which is supposed to link the temporary Bluebird card, to the new card sent in the mail. I called Bluebird to make sure everything went thru correctly, and was informed that my registration and activation were both completed properly, the cards were linked, and I wouldn't need the temporary card anymore because as soon I activate the new card, the funds would automatically transfer. Over a month later, they have my money on the temporary card, it never transferred to the new card. However they know it's there, it's on my registered account with all of my personal information including social security number, yet they have repeated refused to offer any resolution because of a technical problem that did not link the cards. So they have my money, can not transfer it, can not mail me a check and basically charged me {$5.00} to steal more than 9 hours of my life pursuing payment of what is rightfully mine. XXXX XXXX, the issuer of the refund, also has record of this transaction. I have spoken to 3 different FOREIGN customer service SUPERVISORS, over 12 " Customer Care '' representatives, including some with American Express, only to be lied to and at best led to believe they acually cared about my stolen money. NEXT CALL I MAKE IS TO MY ATTORNEY!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
JEFFERSON CAPITAL SYSTEMS XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX keeps putting a XXXX account on my credit report, XXXX, that is not mine. 
XXXX takes it off and it re-reports. 

This XXXX account has been sold and re-reported three times in the past 14 months. 

My social and name is not associated with this account and the address they use to report it is not mine either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Someone has used my SSN to get a tax return. I have had a fraudulent check put into my checking account. Someone has managed to be able to get a couple of loans and open a checking account as well. There are 53 hard inquiries on my credit report. I have paid XXXX XXXX  about {$200.00} all together to help get them off. They didn't do anything but call and bug me for more money. I have called the credit bursaries and asked recently and today. so something might change soon. I need to refinance my car with in the next 30 days. I have been dealing with this since XXXX the first time I filed Identity theft. I just did again last month after I found about someone using my SSN to a tax return. I sick of this I've only had three cars on my credit and two credit cards. the refinancing is part of a court order so my ex will get his truck off my credit and I do the same for him. all this is making it financial hard because I need a lower car payment and I need NOT to break that court order. National Credit Adjusters or they go by XXXX, XXXX XXXX XXXX was one but you'll help me with that one and it is no longer on my credit thank you, XXXX XXXX. The XXXX XXXX is the fraudulent check put into my account. I did get a loan with them but a second check ended up in my bank account at XXXX XXXX XXXX and I was cleared of having anything to do with the second check.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Since XX/XX/XXXX, I have been disputing a XXXX XXXX account that has been reported to the credit bureaus as charged off and purchased by another lender. The lender who purchased the account is appearing on my credit report as well.I never communicated with the lender regarding the account. However, I was contacted by a different agency which I resolved the account for {$XXXX} on XX/XX/XXXX. The credit limit or original amount being reported is {$XXXX}. The credit report still shows the account as charge off. The lender who purchased the account has not reported an update to the account either. So. the account still appears as a outstanding debt. I have been consistently disputing the account by providing the paid letter from the different agency to confirm I have resolved the account. The investigation results always states the information is being reported accurately however it is not. I have contacted the lender who is listed as the purchaser regarding the account being resolved with a different agency and they did not update the account either. When I spoke with the reporting lender they could not provide any information regarding the XXXX XXXX account. I don ; t understand why they are reporting the account on my credit report but could not provide me with the updated account information. I would like to rectify this issue so my credit report would have accurate information listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: CA

Complaint narrative:
I filed a dispute with Equifax on XX/XX/XXXX, and this was for XXXX XXXX XXXX there was a balance and was sold to another collection agancy XXXX XXXX, I cleared XXXX XXXX XXXX payment and they told all 3 credit bureau to delete the record from my Credit report, all 3 beaureau did delete including Equifax, but only Equifax is showing one month deliquency of XXXX XXXX XXXX opened in XXXX in making payment XX/XX/XXXX, the payment to the XXXX XXXX  was paid in XX/XX/XXXX, so XXXX   XXXX XXXX is a closed account when sold to XXXX XXXX, XXXX and XXXX have deleted XXXX  XXXX data from my credit report anf history and nothing showing a deliquency, I also called XXXX XXXX XXXX to inform the beareau, they sent a letter to all 3 beaureu to delete the record that was way back from XXXX, only Equifax is not heeding to the letter from XXXX XXXX sent to them and deleting it, it ; s discrepancy, I have evidence from XXXX XXXX the letter and audit number sent to Equifax, also XXXX XXXX payment made, and not being shown in other beaureu report but only Rquifax as deliquient since XX/XX/XXXX, Please contact Equifax for fair reporting and delete the deliquency that is never delequient as mentioned by the bank as well, Equifax dispute confirmation number is XXXX dated XX/XX/XXXX, this is my second time disputing it, my credit score they dropped by 45 points on XXXX XXXX during this dispute, thay asked me to send another document with another dispute which I am not disputuing but only for send the doc as attachment, conf numberXXXX XX/XX/XXXX ( not disputing but for sending document as attachment for previous dispute XXXX as told by Equifax customer service over the phone ) ( I also currently have XXXX XXXX XXXX credit card nelwy opened since XX/XX/XXXX and being paid every month without any dues ) Equifax also placed FRAUD ALERT withour my consent, " You have an extended fraud alert in place until XX/XX/XXXX. '' Thay are giving me lots of trouble asking me to send lots of personal documents and even police verification, I NEVER AUTHORIZED FRAUD ALERT, XXXX and XXXX never placed any ALERT on my Credit file. 
Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX keeps putting a XXXX account on my credit report, Equifax, that is not mine. 
Equifax takes it off and it re-reports. 

This XXXX account has been sold and re-reported three times in the past 14 months. 

My social and name is not associated with this account and the address they use to report it is not mine either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-25 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: R & B Corporation of Virginia
State: IN

Complaint narrative:
This item in collections from Credit Control Corporation for the amount of {$XXXX} is inaccurate because I do not have an outstanding balance nor do I owe any money to XXXX XXXX. Furthermore, I have never been contacted or had communication with Credit Control Corporation. I have contacted both XXXX and Credit Control Corporation as well as filed a dispute with all 3 of the Credit Reporting agencies. This was done in 2017. It is still showing on my credit report and has caused adverse action due to the incorrect and I valid collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
My loan was forgiven for XXXX XXXX  XXXX XXXX through XXXX on XX/XX/2019. When I called Navient for status around XX/XX/2019 they stated that it would take 60 days to review and post forgiveness to my account. A customer service representative stated that people mess up and the payments resume. This is why it still shows that I owe. They also stated that they would expedite this for review and check back within 60 days. I spoke with someone at Navient on XX/XX/2019 and had to be transferred to three different supervisors. The first supervisor said they just sent all the information over to Navients internal claims team on XX/XX/2019 and it would take another 60 days. When I asked about the {$3000.00} more interest tacked on the first supervisor could not answer. She also stated that they were waiting for a response from the guarantor because the interest was different and didn't match. I asked to speak with someone who could take care of this and was transferred. This person stated that they originally got everything that they needed for and my application was approved. When Navient sent everything over the individual working on the claim did not include everything needed for the internal team to review. She advised the information sent on XX/XX/2019 contained all the information. She also stated that she would look into why it wasn't completed right the first time and send a letter to follow up. This was Navients fault that their internal staff did not do their job. Navients staff gave conflicting information and failed to update my current address information to receive any correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX has charged me 3 seperate times. I had insurance at the time of all visits and tried to confirm that with them. They said there was no way to go back and verify that. But she did tell me she even had my insurance information on file. It just wasn't charged. The first accound was XXXX XXXX XXXX XX/XX/2015 for {$1300.00} another for {$44.00} XX/XX/2015 and XXXX XXXX XXXX XXXX on XX/XX/2015 for {$38.00}. Ive tried to dispute all these accounts by verifying medical insurance paid this but it still shows accound is open. They refuse to remove all these accounts and its really effecting my score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$500.00}, {$7700.00}, {$1000.00}, {$900.00}, {$1000.00}, {$5300.00}, {$5900.00}. 
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 and 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 Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ). 


-OPEN ACCOUNTS- XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

-CLOSED ACCOUNTS- XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7700.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 







XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$900.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

XXXX. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5300.00} -This is not my account. 


-COLLECTIONS- XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5900.00} -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 2019-09-25 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$500.00}, {$7700.00}, {$1000.00}, {$900.00}, {$1000.00}, {$5300.00}, {$5900.00}.

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 and 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 Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ). 


-OPEN ACCOUNTS- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

-CLOSED ACCOUNTS- 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7700.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 







5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$900.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

7. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5300.00} -This is not my account. 


-COLLECTIONS- 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5900.00} -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 2019-09-25 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$500.00}, {$7700.00}, {$1000.00}, {$900.00}, {$1000.00}, {$5300.00}, {$5900.00}.

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 and 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 Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ). 


-OPEN ACCOUNTS- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

-CLOSED ACCOUNTS- 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7700.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 







5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$900.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

7. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5300.00} -This is not my account. 


-COLLECTIONS- 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5900.00} -This is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HUNTINGTON NATIONAL BANK, THE
State: TX

Complaint narrative:
It has currently been over 3 months since I paid off the auto loan on XX/XX/XXXX and have not received the title of the vehicle. On XX/XX/XXXX, I contacted Huntington to get a status update on when I will receive the title and was told Huntington had no information on it. 

According to The Huntington National Bank , the company claims they identified that the amount of income disclosed on the application may have been entered incorrectly when Huntington received the credit application and contacted the dealership to retrieve the corrected income amount and approved and funded my request for financing with the updated information. 

On XX/XX/XXXX, I decided to call Huntington to see what they receive on the credit application as my income and ended up speaking with the underwriter that approved and finalized the deal. Underwriter claims it was submitted as $ XXXX monthly income, but knew the loan would not get approved so underwriter confidently assumed it was an error and added an extra zero to the end without contacting the dealership to verify which is fraud. 

The Huntington National Bank said the company would not do anything while another bank have decided to remove the credit inquiries as a courtesy to me and in light of the clerical error by the dealer.

Company response to consumer: Closed with explanation