vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-03 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: GA

Complaint narrative:
I recently wrote a letter to the credit bureaus to do an investigation of my credit report to check the accuracy of the accounts and personal information. They stated all my accounts and personal information was accurate and update. So I did an even thorough investigation myself and found improper inaccuracies on my credit report even after they said they did there investigation. I Researched my own rights and found this .... in accordance with the Fair Credit Reporting act XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions .Below I am listing all the accounts that I found was to be wrong. 

Account Name : XXXX XXXX Account : # XXXX Each credit bureau is reporting different late payment status as well as the date of last reporting. I have attached my credit report as well as proof of my letters being sent to the credit bureaus and no investigation being done. 

Account Name : XXXX  XXXX Account # XXXX I have asked for this account to be removed because the account is not mine and is someones account affecting my credit score negatively Each credit bureau is reporting different information and Experian doesnt even show this account belonging to me. 
Account Name : XXXX Account # XXXX Each credit bureau is reporting different " dates of last active, '' date of last payment, '' and " payment status. '' Account Name : XXXX XXXX XXXX XXXX Account # XXXX Balance : {$6100.00} This account is only reporting from experian and no other credit bureau. I have already disputed this as a fraudulent account yet experian continues to hold this account on my credit report. 
Account Name : XXXX XXXX XXXX Balance : {$25000.00} This account is only reporting on XXXX and no other credit bureau. I have already disputed this as a fraudulent account yet XXXX now continues to hold this account on my credit report. Account Name : XXXX XXXX XXXX This account has so many inaccuracy from date opened, to balance due, payment status, and date of last active. The credit bureaus did not due an investigation into this account to verify the information is correct.. 
Account NameXXXX XXXX XXXX XXXX XXXXXXXX Account XXXX This account is only reporting negatively to two credit bureaus which is XXXX and Experian. Which both these bureaus have different dates of opening as well as when the account was even active.

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 2022-10-03 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: FORD MOTOR CREDIT CO.
State: MN

Complaint narrative:
On my credit report, XXXX, Ford Motor Credit Company, account number XXXX XXXX XXXX, XXXX, NE XXXX. 

My account was charged off for {$12000.00}, but my credit report is stating the full amount {$20000.00}. I opened the account on XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
RUSHMORE LOAN MANAGEMENT illegally dispersed over XXXX in loans under my identity theft, property loan schemes with XXXX XXXX. 
XXXX XXXX has been cited and fined as follows : XX/XX/2022 WASHINGTON, XXXX Today, the Consumer Financial Protection Bureau ( CFPB ) took action against XXXXXXXX XXXX for illegally accessing its customers credit reports and opening checking and savings accounts, credit cards, and lines of credit without customers permission. XXXXXXXX XXXX pressured and incentivized its employees to sell multiple products and services to its customers, including imposing sales goals as part of their employees job requirements. In response, XXXXXXXX XXXX  employees unlawfully accessed customers credit reports and sensitive personal data to apply for and open unauthorized accounts. XXXX XXXX must make harmed customers whole and pay a {$37.00} XXXX penalty. 

XXXXXXXX XXXX AND RUSHMORE are obstructing investigations and they are suppressing ongoing federal violations in identity theft schemes and also Fairwinds banks aiding in the money laundering fraud by granting same perpetrators new loans for a new property, using my identity and my property as collateral. 
Both perpetrators were deemed officially bankrupt and were ordered to have monitors and management that XXXXXXXX XXXX, RUSHMORE LOAN MANAGEMENT AND XXXX XXXX DID BYPASS UNLAWFULLY. 

I am adding verified proof of obstructions of investigations and the suppressions of fraudulent malpractices, by RUSHMORE LOAN MANAGEMENT that issued {$100000.00} in new money over fraudulent loans supplied to predators. 

I have called and the predatory RUSHMORE LOAN MANAGEMENT personnel will not give me any information, hang up and are in direct interferences of investigations implicating XXXXXXXX XXXX and RUSHMORE LOAN MANAGEMENT in ploy schemes to seize property from victims of verified financial fraud. 

RUSHMORE LOAN MANAGEMENT got desperate and facilitated more fraud by hiring attorneys of XXXX XXXX XXXXXXXX, who also threatened to seize property.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: FL

Complaint narrative:
CFPB + Equifax, on my XXXX equifax credit report - under a closed XXXX  XXXX account - under comments and contact - there is a phrase of " ACCOUNT CLOSED BY XXXX XXXX '' I would like removed. 

Attached to this complaint are : my drivers license my social security card my address my written complaint screen shot where it is located Please have this comment, in the XXXX  XXXX comments and contact, completely removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: COLLECTION ASSOCIATES, LTD.
State: GA

Complaint narrative:
1 ) On XX/XX/2022 my XXXX and XXXX credit ratings dropped XXXX points. 
2 ) I found out through XXXX XXXX that this happened because an ambulance company named " XXXX  XXXX XXXX '' reporteed an unpaid debt of {$2000.00}. 
3 ) I have XXXX XXXX XXXXurance through XXXX Georgia. 
4 ) I never received a bill or notice.

5 ) This went directly to collections. 
6 ) I can not locate " XXXX XXXXXXXX XXXX '' despite dozens of attempts. 
7 ) I have asked Collection Associates at ( XXXX ) XXXX - XXXX to for a letter promising to remove this debt from my Credit Report in exchange for my insurance information. 
8 ) Collection Associates refuses to provide : A ) Address or phone # of " XXXX XXXXXXXX XXXX. '' B ) XXXX debt will be removed once paid. 
9 ) I want to resolve this, but want my credit rating restored.

10 ) I have confidence the CFPB can resolve this.

11 ) Don't let me down. 
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: IA

Complaint narrative:
I have tried fixing this issue with all three bureaus as account is stating incorrectly. I do not recall having this account. Therefore, I have requested to verify or delete. Account is stating open by XXXX XXXX while collection with XXXX and XXXX there is no way account can be both open and in collection at the same time. Account was previously stating date open as XXXX by XXXX and XXXX currently is stating as XXXX by all three bureaus. Payment history reported nothing were now XXXX is reporting CO as if it was some payment method on a dead account. Date last reported stated as XXXX by XXXX XXXX XXXX by XXXX and XXXX currently reporting XXXX by XXXX XXXX and XXXX by XXXX. XXXX has deleted the day last reported. Previous date last active stated as XXXX by XXXX XXXX XXXX by XXXX and XXXX by XXXX currently stating as XXXX by XXXX XXXX and XXXX while XXXX reports XXXX. Account is being re-age pushing back the date it should fall off that is not acceptable there is no way account can be all of the above open while in collection and reporting inaccurate dates when information is coming from the same furniture data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.

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 2022-10-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NY

Complaint narrative:
Mohela refuses to respond and confirm that my PSLF application has been received. After being told by XXXX XXXXXXXX XXXX that my application was transferred to Mohela months ago, I have still yet to get confirmation of them having my application. The deadline for the PSLF Waiver is in several weeks. I understand they are busy and the processing of the application may take some time, however all I am looking for is verification it has been received and is waiting to be processed. The phone number is no longer working. I can no longer get in touch with Mohela. Previously when the number was working I would be on hold for hours, often having the call dropped. One time I was told to resubmit my application to them as they did not get it, which I did. I sent my application certified mail so I know they received it, yet they still are telling me they do not have it. They told me all mail received to date had been updated and therefore why my application was not showing up as having been received was very confusing. Customer Service is rude and not helpful. In order for me to qualify for the PSLF Waiver my application must be received by XX/XX/2022. I need help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60dayXXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Validate Account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.

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 2022-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital one credit card is showing 4 missed payments. Purchases were made on that account that were not mine and I disputed it directly with the company. They gave me a credit then reversed it while providing proof that it was not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
I have received a a letter from Mr.Cooper Mortgage Company dated XX/XX/XXXX. After reviewing this letter, I once again find myself filing a formal complaint against this company. This would be my third complaint. I believe that this company is practicing predatory lending. I can only imagine how many people are being affected by these illegal, ill moral, and unprofessional practices. 

In the letter the company has stated that my mortgage payment is increasing to {$1500.00} per month. When I phoned the company. they stated that the increase was due to no insurance on my property. As I have stated in previous complaints I purchased insurance on this home after the death of my father in XXXX of XXXX from XXXX XXXX XXXX XXXX. The insurance has been in force from that date till present without any interruptions, as XXXX XXXX withdraws the monthly fee from my bank account each month. 

I have provided a copy of the letter from the mortgage company and a copy of my recent insurance statement. According to XXXX XXXX XXXX XXXX, this document was mailed to Mr. Cooper in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: NY

Complaint narrative:
XX/XX/XXXX -Attempt to establish a service agreement with XXXX via authorized retailer XXXX XXXX XX/XX/XXXX -Received e-mail from XXXX XXXX that product was shipped to home address XX/XX/XXXX -Received e-mail from XXXX XXXX that product was routed to XXXX  Accost Point XX/XX/XXXX -Contacted XXXX XXXX ; Retailer verified the package as lost. Requested a reshipment of device under XXXX carrier in place of contract with XXXX. XXXX XXXX Representative approved. 

After submitting this information to XXXX, the company refuses to acknowledge a miscommunication between retailers and proceeded to place a non-existent collection in my name for a XXXX device I never received. 

I have submitted several disputes with all 3 credit reporting agencies and nothing has been resolved. I have contacted XXXX several times to remedy this over the course of a year to no avail.

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 2022-10-03 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: NY

Complaint narrative:
XX/XX/XXXX -Attempt to establish a service agreement with XXXX via authorized retailer XXXX XXXX XX/XX/XXXX -Received e-mail from XXXX XXXX that product was shipped to home address XX/XX/XXXX -Received e-mail from XXXX XXXX that product was routed to UPS Accost Point XX/XX/XXXX -Contacted XXXX XXXX ; Retailer verified the package as lost. Requested a reshipment of device under XXXXXXXX  XXXX in place of contract with XXXX. XXXX XXXX Representative approved. 

After submitting this information to XXXX, the company refuses to acknowledge a miscommunication between retailers and proceeded to place a non-existent collection in my name for a XXXX device I never received. 

I have submitted several disputes with all 3 credit reporting agencies and nothing has been resolved. I have contacted XXXX several times to remedy this over the course of a year to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: LoanCare, LLC
State: MI

Complaint narrative:
I would CFPB to look at my account dates are wrong.

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 2022-10-03 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX ) XXXX XXXX acct # XXXX, XXXX ) XXXX acct # XXXX, XXXX ) XXXX  acct # XXXX has violated my rights. 

15 U.S.C. 1681 section 604 A States I have rights to privacy.

15 U.S.C. 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-10-03 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: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666b a creditor may not treat a payment on a credit card account under an open end cosumer credit as late for ANY purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: WI

Complaint narrative:
I am a victim of identity theft and the creditors below has fraudulent accounts on my credit profile that needs to be remove immediately ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Bread Financial Holdings, Inc.
State: ND

Complaint narrative:
On XX/XX/22 I did a balnce transfer from Comentiy Bank to XXXX XXXX for the amount of {$3000.00}. 
XXXX XXXX has never recieved the funds. I have made several attempts in cotcting both parties. 
On XX/XX/22 i recieved a phone call from Comenity Bank stating my funds wher sent to XXXX XXXX by mistake and i should contact them. After severla calls to XXXX XXXX  no funds were found.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
We initiated a XXXX  transfer on XX/XX/XXXX, and it shows completed on the chase side, but the recieving bank has been slow to deposit. We contacted chase and they absolutely have refused to get us the XXXX or put us in touch with their transfers desk. They say that they can not do so due to covid staffing. We're trying to escalate but after an hour on the phone and various other means of contacting them, we're at wits end on how they can fail to provide the transaction report on a fairly simple transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: CAINE & WEINER COMPANY, INC.
State: MN

Complaint narrative:
On my credit report, XXXX, XXXX XXXX XXXX XXXX, account number XXXX XXXX XXXX, XXXX, XXXX XXXX. 

My account was charged off for {$12000.00}, but my credit report is stating the full amount {$20000.00}. I opened the account on XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am currently traveling, but wanted to go ahead to get a soft credit check for a solar installation quote. It was a total breeze to unfreeze XXXX for the quote. However it is utterly impossible to talk with Experian. I do not have the freeze pin on me. 
I tried calling too many times, at least 10 times during the listed working hours on Friday XX/XX/XXXX and Monday XX/XX/XXXX. It is completely and utterly impossible to speak with a person. I tried resetting my login to unfreeze online and it doesn't know my birthdate and social security number, both of which are obviously correct. I am also getting error messages with my correct email address again. It is imperative to speak with an agent, however, there is NO WAY to speak with a real person. The automated voice leads nowhere. It is unacceptable to not be able to solve problems in a timely manner. I can not move forward because of this issue. And phone calls to Experian are useless. Why is it not possible to talk with a person??? Total blocking of a phone connection should not be legal. Experian has unacceptable customer service

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