vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-17 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2023 Experian XXXX XXXX XXXX XXXX, GA XXXX CC : Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, DC XXXX To Whom It May Concern : I am writing this letter to dispute the following accounts : Company ACCOUNT NUMBER XXXX XXXX XXXXXXXXXXXX XXXX formerly XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX This Credit Reporting Bureau is in violation of 15 USC 1692g . They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) 1. Negligent Enablement of Identity Fraud 2. Fair Debt Collections Practices Act 15 USC 1692g violations 3. Fair Credit Reporting Act 15USC {$1600.00} violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IL

Complaint narrative:
My loan servicer is Mohela. On XX/XX/XXXX, I submitted a Public Service Loan Forgiveness Certification & Application which should have resulted in the forgiveness of my student loans. I was at XXXX qualifying payments for Public Service Loan Forgiveness but had qualifying payments for XX/XX/XXXX to XX/XX/XXXX that had not yet been counted. These payments would bring my total to more than XXXX qualifying payments. I have worked for the same non-profit employer since XX/XX/XXXX. However, Mohela processed my application without counting any payments from XX/XX/XXXX to XX/XX/XXXX and my count was updated to XXXX and XXXX qualifying payments. I contacted Mohela and all they could do was resubmit the same form and tell me to wait another 90 business days for the form to ( hopefully ) process accurately. This error is keeping me from being able to purchase a home.

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 2023-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
XXXX XXXX  has been fined for identity theft fictitious loans schemes against victims of identity theft fraud financial crimes. 

The XXXX XXXX  has used the government offices, government resources and government employees to aid fictitious loans schemes against properties withholding information from CFPB ORDERS AND REMAINING IN CONTEMPT OF CIVIL PENALTY RELIEF FUNDS TO VERIFIED VICTIMS. 

XXXX XXXX  are using subsidiaries : Rushmore Loans CA XXXX XXXX XXXX TX AZ XXXX XXXX  XXXX XXXX XXXX TX plus XXXX and XXXX XXXX XXXX  OF XXXX FLORIDA The parties hired by XXXX XXXX  ignore consent decrees of civil penalty relief, they threaten me, and conceal evidence of fictitious loans, victim of identity theft, title theft crimes and financial crimes to unlawfully seize my property. 

The parties use government resources and ignore regulations of CFPB AND ACT LIKE AGGRESSIVE DEBT COLLECTORS FOR PROFIT AND TO REMAIN IN CONTEMPT OF CONSENT ORDERS FILED BY CFPB XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX minutes ago ) to me, XXXX XXXX afternoon, I am coordinating the hearing for the Motion for Summary Final Judgment, please review the below hearing dates. 

XX/XX/XXXX ( Monday ) XXXX XXXX  XXXX min XXXX XX/XX/XXXX ( Tuesday ) XXXX XXXX XXXX min XXXX XX/XX/XXXX ( Tuesday ) XXXX XXXX   XXXX min XXXX XX/XX/XXXX ( Wednesday ) XXXX XXXX  Please note if we dont hear from you by the end of the day Monday, XXXX we will be moving with setting it at our convenience Thank you XXXX XXXX Legal Assistant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XXXX Tel : XXXX EXT XXXX Fax : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/2023, XXXX reported my account as 30 days past due while still in XXXX ( i.e., they reported XX/XX/2023 as 30 days late while still in XXXX. Not sure how an account can be marked past due within the same month that the past due amount is reported. This was disputed with all three credit reporting bureaus ; XXXX and XXXX found XXXX reporting to be incorrect, and thus, my credit report was changed. However, Transunion, after providing the same dispute information and proof provided to XXXX and XXXX, TransUnion still finds and reports XX/XX/2023 as 30 days past due. However, they have my account status for the account markets as Current, Paying as agreed. In XX/XX/2023, XXXX received a payment on XX/XX/2023 ; therefore, regardless, a payment can not be marked 30 days past due when within the same month the payment is due. Transunion 's unwillingness to change this account 's payment history demonstrates an unwillingness to protect the integrity of consumer financial reporting. Further, it demonstrates their unwillingness to side with the consumer due to having financial incentives with financial institutions such as XXXX, which incentives them for siding with the institution over the consumer ; how is it that 2 of the three credit reporting firms found reason to change the credit report, whereas Transunion does not when provided the same information as provided to the other reporting companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: CA

Complaint narrative:
Afni , Inc . 
Ref. # XXXX To whom it may concern : The reason I am writing to you is because I do not agree with the outstanding balance that XXXX says XXXX owe. I canceled the service on XX/XX/2021, and returned all the devices I had. I received an account statement saying that I owed service from XX/XX/XXXX to XX/XX/2021, that is false. How will I have service in that statement period if I cancel the service on XX/XX/XXXX. I don't owe XXXX anything and I have the right to demand that I be removed from the collections department. Thank you. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Comenity BankXXXX is attempting to collect a debt that is fraud/erroneous. I had an open account with this company but never charged services. 

I filed an official dispute and sent proof that I didn't have a debt/balance with the company, and since then ( over 90 days ) have chosen not to get back to me within that promised 90 day time slot. They are still truing to collect even thought the account is in dispute. Their dispute/fraud department will not take my calls and frequently hang up the phone when I call them. 

They are ruining my credit because i refused to make payment on money I never borrowed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am a federally protected consumer. On XX/XX/XXXX, I sent via certified mail a letter to all three credit agencies named Trans Union LLC, XXXX, and XXXX XXXX XXXX XXXX. This letter was in response to my failed and unsuccessful attempts at disputing the incorrect information on multiple occasions. The letter stated that I did not give these companies anything in writing in regards to lawfully furnishing the information addressed on my consumer report and that it is incorrect. 

The specific account referenced was named XXXXXXXX XXXX XXXX XXXXXXXX. This account contains a total of XXXX late or delinquent payments on my consumer report which is false and inaccurate information. This information was never presented with any proof that it was verified or the method in which verification of this information was obtained. When disputed, the only thing sent to me in return was a copy of my consumer report stating that it was verified. The law states that anything reporting on my consumer report must be authenticated by ME, the consumer to whom the account belongs to. These credit agencies do not have the right to verify and authenticate information on my behalf without my permission. 

Currently my account has late payments being reported on the following accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX These accounts are all currently in a billing dispute resolution as of XX/XX/XXXX in which I have the proof to show. This means that none of these accounts are to be reporting as late or delinquent or closed for any reason until the matter is resolved. I am demanding that all late payments on my consumer report be deleted. 

This negligence on behalf of the consumer reporting companies named XXXX and Trans Union has cause damages due to me being denied for credit because of late or delinquent accounts. It has prohibited me from being able to obtain a new vehicle in which I am in need of. It has prohibited me from being able to obtain new credit from most places that I have applied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17 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: AL

Complaint narrative:
I have disputed with all credit bureaus about verifying information through a third party when the original information was not acquired by them as the original information says they do not report any information to any credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17 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: AL

Complaint narrative:
I have disputed with all credit bureaus about verifying information through a third party when the original information was not acquired by them as the original information says they do not report any information to any credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
On XX/XX/XXXX. I went through the approval process, and I was approved on XX/XX/XXXX with a " Guaranteed of funds '' to the mortgage company. On XX/XX/XXXX, I received an email to bring my balance below {$65000.00} to have them pay the mortgage company. That was completed and proof was sent on XX/XX/XXXX. On XX/XX/XXXX, i received an email with a denial due to no deliquency. I called the homeowners assistance program to get further information and they advise me to call the mortgage company as the mortgage company had sent them information that I was no longer delinquent. I have had a balance since XXXX, I do not understand why they would claim that I am not delinquent. I have contacted the mortgage company multiple times and they claim to email the department that handles those requests and I have spoken to supervisors in regard to it as well and no resolution has been reached. They do not have any updates for me. Case # XXXX ( Homeowner assistance program ) Freedom Mortgage is my mortgage company.

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 2023-02-17 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: SC

Complaint narrative:
In accordance with the FCRA the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instruction which I never did for any of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: SC

Complaint narrative:
In accordance with the FCRA the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instruction which I never did for any of these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Financial Business and Consumer Solutions.
State: MI

Complaint narrative:
Nonsensical communications that was very harassing, with repeated communication after a verbal request to cease and desist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: IL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17 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: IL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This letter is a formal complaint to prove this company is reporting inaccurate information to consumer reporting agencies and violation federal laws This is the account name, number and how much be allegedly charged off. 

XXXX XXXX This company, XXXX is reporting a false charge-off status about this account. Theyve openly admitted that there were no 1099c form filed for this debt, they said There is not a 1099-C available her account has not been discharded '' XXXX is reporting this debt as a charge off but saying this debt is not cancelled/forgiven and wont file a 1099-c form for it but according to the IRS, those things must had happened to legally make this account a charge-off. So, if these steps were not followed by XXXX to make this account a charge off by federal law standards, then what is this account? 

According to The IRS publication XXXX, It Clearly defines a charge off as Gross or Ordinary income. 

According to XXXX law dictionary XXXX edition a charge off is defined as anything manifesting intent to eliminate an item from assets if nothing on this account has been and not going to be eliminate on their end then how this company reporting it as charge off?? 

In order for an account to be a charge off, something must happen first. If XXXX XXXXXXXX has not charged the debt off on their own taxes, wont wrote the account off on their taxes and can not provide a 1099-c form, then it can not be a labeled as a charge off account. 

This company made up their own rules about what charge offs and willfully ignoring federal laws and definitions. Everything the FCRA have in place to protect me as a consumer is violated. You can not report an account in a status that it is not. This account isnt a charge off! 

XXXX is aware of their inaccurate reporting and has violated federal law 15 U.S code 1681s-2 I notified them in writing TWO times about the inaccurate reporting and under the prohibition section of FCRA this item must be deleted from my consumer reports. 

ATTACHED IS XXXX STATEMENT SAYING THEY DO NOT HAVE A 1099C AND THIS ACCOUNT IS NOT CHARGED OFF

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17 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: IL

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXXXXXX XXXX XXXX XXXX, il XXXX Please update my name to XXXX XXXX XXXX and remove names listed below XXXX, XXXX XXXX, XXXX XXXX, XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX {$440.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$1000.00} 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 2023-02-17 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: IL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I've contacted Experian in regards to 5-6 addresses on file that do not match where i live. They refused to open a dispute on the addresses until i contacted specific financial institutions. They are essentially working together with banks to blackmail people into destroying their own credit by verifying debt inadvertently.

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