vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-19 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: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update from reporting. 
XXXX  XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that are reporting on my Credit Reports and needs to delete immediately. 
XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: AZ

Complaint narrative:
I am requesting the TIME FRAME in which data is processed once it is received by the credit reporting agency. THIS DOES NOT PERTAIN TO ANYTHING IN A DISPUTE. This information which I request is supposed to be PUBLIC INFORMATION. 

WHAT IS THE TIME FRAME FOR TRANSUNION TO PROCESS DATA ONCE IT IS RECEIVED BY A CREDITOR? 

Definition : time frame /tm frm/ Learn to pronounce noun a period of time, especially a specified period in which something occurs or is planned to take place. 
" The work had to be done in a time frame of fourteen working 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 2021-11-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
In XXXX I received my XXXX XXXX XXXX from XXXX University in XXXX North Carolina. As of today, XX/XX/XXXX I have a student loan balance of {$97000.00}!! I would like to know how an XXXX XXXX XXXX from anywhere has the same debt as a XXXX scholar??? Not downplaying an XXXX XXXX XXXX because I'm glad to have it, but in some high schools this program is offered. There's no way I should have a debt of {$97000.00} for an XXXX XXXX XXXX from XXXX University, for that matter anywhere! I live in North Carolina I feel that navient has taken advantage of the interest payments on my student loan. When I was applying for these loans on campus with assistance from the staff of XXXX University, I stated to them that I had never been to college before and did not I understand the loan process. They sat beside me and assisted me in clicking different loans as I was unaware what I was doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have letter from creditor directly and email correspondence, about the mortgage being late and inaccurately reported. The mortgage company also has a mortgage for XXXX XXXX and I've never bought a house for more than {$400000.00}. This negative information needs to be deleted immediately.

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 2021-11-19 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 have filed a complaint along with a copy of an Identity Theft Report ( see attached ) on 2 different occasions and you have refused to remove or block the fraudulent information from my credit file. The items are XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX. Per the Federal Credit Reporting Act 1681c2. Block of information resulting from identity theft ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. You are breaking Federal Law. This is my last attempt to rectify this issue and if not my next course of action is to file a lawsuit against Equifax for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: PA

Complaint narrative:
Subject : Disputing Information in Credit Report I am writing to dispute the following information that your company Equifax, XXXX, And XXXX. I have circled the items I dispute on the attached copy of my credit report ( s ), these items have been disputed over 6 times in 2 years because these inquiries are fraudulent I am requesting that Equifax, XXXX, And XXXX remove these items from my credit report, Incorrect Spellings of My First, Middle, and Last Names I have submitted an FTC Complaint, FTC Affidavit of FrauXXXX, Police Report, supporting my request. 

Sincerely, XXXX XXXX XXXX Enclosures : FTC Complaint ( Already Submitted ) FTC Affidavit of Fraud ( Already Submitted ) Police Report ( Already Submitted )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
I have gotten an email from paypal today XX/XX/2021 that my account has been permanently block and they closed it because I have " violated user agreemnts '' and I didn't do anything new that might be considered as a violation of the user agreements the main problem is that I hold XXXX XXXX dollars on that account and my online business is going to be shattered if I dont get that money back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: PA

Complaint narrative:
Subject : Disputing Information in Credit Report I am writing to dispute the following information that your company XXXX, XXXX, And Transunion. I have circled the items I dispute on the attached copy of my credit report ( s ), these items have been disputed over 6 times in 2 years because these inquiries are fraudulent I am requesting that XXXX, XXXX, And Transunion remove these items from my credit report, Incorrect Spellings of My First, Middle, and Last Names I have submitted an FTC Complaint, FTC Affidavit of Fraud, Police Report, supporting my request. 

Sincerely, XXXX XXXX XXXX Enclosures : FTC Complaint ( Already Submitted ) FTC Affidavit of Fraud ( Already Submitted ) Police Report ( Already Submitted )

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Subject : Disputing Information in Credit Report I am writing to dispute the following information that your company XXXX, Experian, And XXXX. I have circled the items I dispute on the attached copy of my credit report ( s ), these items have been disputed over 6 times in 2 years because these inquiries are fraudulent I am requesting that XXXX, Experian, And XXXX remove these items from my credit report, Incorrect Spellings of My First, Middle, and Last Names I have submitted an FTC Complaint, FTC Affidavit of Fraud, Police Report, supporting my request. 

Sincerely, XXXX XXXX XXXX Enclosures : FTC Complaint ( Already Submitted ) FTC Affidavit of Fraud ( Already Submitted ) Police Report ( Already Submitted )

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 2021-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
AMERICAN EXPRESS is attempting to dishonor federal law and the truth in lending act regulation Z by attempting to not regulate it like the open-end credit account it is pursuant to 12 cfr 226.2 ( 20 ) .I am only subject to pay a finance charge from time to time, not any transaction made.Also pursuant to regulation Z it is a well known fact that A bank can not extend credit.Due to that I have conducted a private administrative audit by right of action requesting a full file disclosure in pursuant to 15 U.S.Code 1681g and all other documentary evidence, including books of account, both journal and ledger in accordance with 15 U.S. Code 44 and IRS publication 583 including any and all accounts made using my intellectual property, my signature, associated with this account both public and private, I must clarify who funded this account and the amount owed according to the journal and ledger entries from the date of open of the account as described in IRS publication 583 . Without this I can not verify any valid claims of alleged debts in the name of the principal obligor. Pursuant to. 18 USC 8 all debts are the obligations of the United States a federal corporation defined under 28 usc 3002 ( 15 ) .Pursuant to 31 usc 3123 the United States has pledged to pay all public debt and interest.Technically AMERICAN EXPRESS is acting as a 3rd party attempting to collect this debt .Pursuant to 20 CFR 422.103 ( d ) the social security number attached to this account belongs to the social security Administration therefore so does any alleged debts.AMERICAN EXPRESS is in violation of 15 usc 1692e as they are telling me an amount is due on my account that has a positive credit balance which is false and misleading as I can not pay something that is already positive.I have reason to believe and do so believe, pursuant to 15 U.S. Code 1666d if there is a credit of account balance with surplus over 1 dollar in accordance to the journal and ledger entries described in IRS Publication 583, the amount balance should be credited and the remaining balance must be directed to I, the consumer by check. The documentary evidence must be provided to clarify this amount as this is a formal instruction in accordance to 15 U.S.Code 1666 ( b ) ( 2 ) to provide the documentary evidence which includes books of account in accordance with 15 U.S.Code 44 to resolve this billing error. on June 5,1933 Congress enacted HJR 192 took away our ability to pay with lawful money and gave us legal tender that shall be discharged dollar for dollar. AMERICAN EXPRESS is in possession of a negotiable instrument pursuant to UCC 3-104.even if they dont accept it UCC states they must discharge to the extent of the amount of tender pursuant to UCC 3-603 ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
I have an issue with Mortgage Servicer Abuse. 

I have attempted for over 10 years to have my XXXX XXXX loan modified via XXXX. I have verified on several occasions that my loan is guaranteed by XXXX XXXX. XXXX misrepresented its role as investor and provided the protections offered under the National Mortgage Settlement and Consent Orders from the XXXX and Federal Reserve. 

In addition, I will be mailing packets of the information to the Dept of Justice and FHFA requesting their special agents review the harm caused by misrepresentation by XXXX and XXXX XXXXe Loans for the amount owed and ownership of the debt. I have been given no less than 6 different reasons why my loan didn't qualify for modification. None of the reasons are accurate as I worked as a Foreclosure Prevention counselor and submitted every packet as required and documented. I am submitting this request with the desire to meet with someone within your office to highlight the problems. I have spoken with some congressional staff members that I would like to sit and follow this process. Mortgage Servicer Abuse is real and harmful. Over the last 10 years, my health has suffered and unable to purchase a home due to the fraudulent foreclosure filing. 

Included in the packet is an outline of the note 's history, recorded Assignment of Mortgage history and XXXX answers. In a nutshell, each history records a different trail of ownership and investors. How is the average American to reconcile issues if the mortgage servicer continues to misrepresent information. 


I am not asking CFPB to litigate this problem. I will handle that thru filing a Wrongful Foreclosure suit soon. My concern is for the ordinary citizen that is being unjustly impacted by bad Mortgage Servicers including XXXX and Rushmore Loan Management

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: Kikoff Inc.
State: MA

Complaint narrative:
I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
SWC GROUP keeps calling multiple times a day with different numbers bypassing blocking attempts. I use a blocking app and there using different numbers to around it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: CA

Complaint narrative:
Sometime between XX/XX/XXXX and XX/XX/XXXX my creditors went missing. Please see screen shot with list of 22 revolving accounts - 1 mortgage - 2 installments a total of 26 open accounts - none negative. some how my report " split '' off and I have a merge with someone else 's files. Please see attached screen shots. You can see im using XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you can see the history of my report from pull down of old accounts showing and now not showing with most recent report. Two accounts that are reporting are not mine are XXXX XXXX XXXX XXXX XXXX in charge off / collection status. They are currently under dispute and need to be removed from my report. I have tried to get someone from Equifax to help me they said they opened case # XXXX but no one knows what that is. I speak to reps from office of consumer affairs and are rude, disrespectful and not helpful. Equifax XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I've disputed a few account with transunion, and ice called transunion XXXX the phone and was greeted by some rude staff that barely speak a lick of XXXX, nor do they want to process disputes, nor investigate properly, to resolve my issue, because they keep transferring me all the way to XXXX, Then they transfer to social accounts sections, instead of handling my dispute on the spot, Transunion has also re aged an old child support account, that never seems to go away, knowing that this account is past statute of limitations to XXXX reported, because of the date of first delinquency is XX/XX/XXXX, they tampered with the Date of First Delinquencies on my credit, eliminating XXXX yrs worth of delinquent information, and replacing it with date of first delinquencies from XXXX, Transunion wilfully violated the Fair credit reporting act by helping the creditor to delete information, evidence is attached, then transunion is reporting a judgement they closed a d deleted after I disputed the information, and provided proof it was a judgment, transunion purpose re inserts the judgment back on my credit report, when I gave them the judgement paperwork the second 7th time, showing them it is a judgement they sit up here and lie on the phone, saying XXXX not a judgment, but when I apply for credit, and get denied, the company that denied me sends me a letter stating it is because of a judgment from XXXX XXXX XXXX XXXX on my credit report, transunion is a deceptive company, and transunion has nothing but a bunch of con artists working up there,. I have hired an attorney to sue them with XXXX  good amount of evidence against transunion violating the fair credit reporting act laws, they have 30 days to do a proper, thorough investigation tht abides by XXXX FCRA, and Consumer Protection Plan, and remove these 2 accounts from my credit or suffer consequences in court. 

XXXX XXXX XXXX XXXX - Delete from my credit XXXX XXXX child support- delete from my credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: RI

Complaint narrative:
An attorney for 'Plaintiff ' ( A credit card company that I had debt with back in XXXX, with a payout in XXXX, apparently got court approval ( without my knowledge ) to garnish {$1300.00} out of my bank account, PLUS another {$120.00} fee. The original debt was about {$4000.00} before I settled and paid less to close the debt. They are saying I now owe them {$12000.00}!!! ( with all the interest over the years )!! 

My husband and I obtained a mortgage in XXXX, and part of the mortgage process required me to settle any unpaid debts, in which I did ( or I wouldn't have gotten the mortgage! ). I recall settling this debt, although I can not find the paperwork to prove it. 

I thought to contact the mortgage company, who would have all of my credit information from that time, but they went out of business is XXXX. 

Since credit reports and credit bureaus only go back about 7 years, I can not get a hold of the information to clear this up. My credit rating is good, and I have no 'strikes ' on my record according to XXXX Credit bureau XXXX 

This debt is about XXXX YEARS OLD now ... .. how is this even legal??

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
This is becoming absolutely ridiculous in regards to how many complaints I've had to file regarding my issues. Here is a timeline of my most recent issues that need to be resolved : XX/XX/XXXX - I have been on a forbearance plan for 18 months. I called in to request a deferral agreement for the process of exiting my forbearance. The customer service representative initiated the process and told me to wait and that I would not make payments until everything had been done. 
XX/XX/XXXX - I receive an email ( attached ) saying the agreement has been approved and to wait on the agreement in the mail. I HAVE RECEIVED NO AGREEMENT XX/XX/XXXX - I receive a message from Loan Depot ( attached ) saying they need additional time to furnish a response. 
XX/XX/XXXX - I receive an email ( attached ) from Loan Depot saying {$8200.00} is being debited from my bank account. I DID NOT AUTHORIZE THIS PAYMENT. I logged into my account and was unable to stop the payment, edit my payment info, or even initiate a payment. 
XX/XX/XXXX - I receive an notice ( attached ) that my mortgage is delinquent despite the fact I have not been informed of the details of the deferral agreement. 
XX/XX/XXXX - I called Loan Depot and was told my deferral agreement is still pending and I am delinquent with a late charge, despite the fact my agreement is still pending. No one could give me information about the {$8200.00} payment and I was transferred around to multiple people without resolution or further information.

Company response to consumer: Closed with explanation