vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-08 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: MD

Complaint narrative:
1. Inappropriate credit inquiry by XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2022. A store clerk has solicited and signed me up for a credit card in promise of no credit score impact. My credit score has been affected immensely making it hard for near future home purchase or getting other loans. I have neither consented nor authorized a hard inquiry on my credit account. 

2. Inaccurate late reporting of loan that was in forbearance due financial hardship. 
The XXXX services loans are now consolidated into one and transferred into another services. I have previously tried to dispute the inaccurate reporting to XXXX and credit reporting agencies but no luck. I have been recommended by financial advisors to use the CFPB portal to get these late payment reports off my credit report. See attached initial letters to XXXX and 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 2023-01-08 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: TX

Complaint narrative:
Account : XXXXXXXX XXXX  XXXX Account number : XXXX Date Opened : XX/XX/XXXX Account : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Account : XXXXXXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Account : XXXX XXXX Account number : XXXX Date Opened : XX/XX/XXXX There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 

I am requesting that the reporting of this information be blocked and deleted. 
My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer.

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 2023-01-08 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: AZ

Complaint narrative:
This company is reporting that my loan is in foreclosure. This company continues to violate me with incorrect information on my credit report. They are violating my right to privacy and havent sent me signed disclosures by law.

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 2023-01-08 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: AZ

Complaint narrative:
This company is reporting that my loan is in foreclosure. This company continues to violate me with incorrect information on my credit report. They are violating my right to privacy and havent sent me signed disclosures by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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: AZ

Complaint narrative:
This company is reporting that my loan is in foreclosure. This company continues to violate me with incorrect information on my credit report. They are violating my right to privacy and havent sent me signed disclosures by law.

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 2023-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL

Complaint narrative:
1.The lender, XXXX 's servicing agency took my mortgage payment through XXXX on XX/XX/XXXX, put it on hold and initiated foreclosure against me for the payment that is still unapplied. ( see Rushmore Loan Mang. Response to CFPB Complaint dated XX/XX/XXXX, XXXX. XXXX. XXXX ( see also Loss Mitigation Affidavit attached ) XXXX.The lender XXXX refused loss mitigation and foreclosure prevention efforts and continued foreclosure in the XXXX XXXXt of XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, for the payment it has on hold and unapplied XXXX, I filed a XXXX XXXXXXXX XXXX plan to reorganize the debt but, XXXX XXXX  XXXX XXXX claims in the bankruptcy court that alleged it held a corporate assignment from XXXX dated XX/XX/XXXX. However, that was false and the claim was disallowed but, the court XXXX a lien to XXXX XXXX  although proof of a claim of a XXXX did not exist.

XXXX.There was no corporate assignment dated XX/XX/XXXX, between XXXX and XXXX XXXX  before the bankruptcy filing on XX/XX/XXXX. The corporate transfer violated the bankruptcy automatic stay and occurred XX/XX/XXXX and recorded on XX/XX/XXXX. ( see Rushmore Loan Mang. Response to CFPB Complaint dated XX/XX/XXXX, XXXX. No. XXXX ) ( see Motion for Reconsideration attached ) XXXX. On XX/XX/XXXX, I paid the XXXX XXXX bankruptcy plan to completion and filed a motion to avoid a XXXX however, the court stated it consented to XXXX XXXX XXXX transfer during the automatic stay. My certificated of completion was denied and my motion to avoid a XXXX was also denied. Therefore, I have filed an appeal. ( see case No. XXXX XXXX and XXXX cv XXXX ) XXXX. XXXX took my mortgage payment put it on hold and initiated foreclosure in the meantime, I paid for a reorganization plan to completion but, XXXX XXXX  was granted a lien it did not have. I have paid my bills and yet losing my home. ( see Jet pack ) XXXX. I need help. My mortgage balance before my rights to homeownership and credit was {$XXXX} at 2 % interest. After XXXX took my mortgage payment, unapplied it and initiated foreclosure my mortgage balance is now {$XXXX}, ( see recent mortgage statement ) XXXX. When the same incident occurred with XXXX  XXXX XXXX the institution refunded my money and offered home retention programs. I believe XXXX and XXXX XXXX  are XXXX  me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Someone used fraudulently use my name, ssn.i haves addresses that is not mine on my credit report and they tried to get credit cards in my name.

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 2023-01-08 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:
XXXX. XXXX I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX. XXXX I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-08 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-08 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: WI

Complaint narrative:
Over 2 months ago ( XX/XX/2022 ) I wrote a letter to Experian advising them that were in violation of my HIPPA rights by reporting medical information that I did not authorize in the following amounts : {$240.00} {$210.00} {$330.00} {$56.00} {$140.00} {$58.00} {$320.00} {$2400.00} {$1000.00} {$800.00} I have not heard back from them nor have they removed anything from my reports.

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 2023-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Ref Number : XXXX AMERICAN EXPRESS is in violation of 15 U.S. Code 1691c2 for taking advantage of a Minority Owned Small Business and its owner 's personal private non-public data. I, XXXX XXXX, the consumer and natural person, was denied credit by AMERICAN EXPRESS when I was misled to applied for the American Express XXXX XXXX XXXX Credit Card. 

Adverse action against a consumer is AGAINST THE LAW according to the equal credit opportunity act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C XXXX. You are subject to criminally liability for violating 15 U.S.C 1691 and 15 U.S. Code 1691e as I have proof that I was discriminated against by AMERICAN EXPRESS due to the response I received.

AMERICAN EXPRESS is in violation of 15 U.S code 1642, U.S.C 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. 

Furthermore, because my social security number ( credit card ) was used and I received NO benefit, this is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of AMERICAN EXPRESS. 

If AMERICAN EXPRESS fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card, I will indeed make AMERICAN EXPRESS criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. I will also follow up with an invoice for said violations. 

Thank you, XXXX : XXXX Without prejudice, all natural inalienable rights reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CO

Complaint narrative:
I submitted an employment verification form for XXXX to XXXX XXXX ( XXXX ) on XX/XX/XXXX. The employer in question had previously been approved ; this application was for a new twelve-plus months worked. XXXX never verified this employment, but they didnt deny it, either. My loan was then transferred to MOHELA around XX/XX/XXXX. MOHELA also did not verify or deny my eligibility. I thought that perhaps the form had been lost or forgotten in the transition, so I re-submitted it to MOHELA on XX/XX/XXXX. When they did not respond in a timely manner, I inquired via email on XX/XX/XXXX. Several weeks later, MOHELA sent back a generic message asking me to call them instead, and that they were unable to reply to my message. I called and never could speak to a person. Today ( XX/XX/XXXX ) I went online to check my qualifying payment count, and it was still missing that period of payments. The re-submitted form from XX/XX/XXXX had been denied due to being a duplicate. The original form still has not been acted upon, and its now over 8 months old. My qualifying payment count remains inaccurate.

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 2023-01-08 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Debt validation was never confirmed, Several law violations, billing errors. Consumer credit transaction was created but a cash down payment was taken which makes the contract voided as per 15 usc 1605 ( a ). I asked for debt validation with and on and off ledger confirming a loan was given to me. finance charge also is suppose to be the sum of all charges. In this retail installment the sum of all charges differs greatly from the finance charge which voids the contract. i have been harassed and embarrassed by this company through their abusive practices and their continued disregard to the cease and desist i had during the validation process. They disclosed my residence without my permission and sent repo company to my residence where they breach the peace and took my vehicle

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 2023-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Investment Retrievers, Inc.
State: CA

Complaint narrative:
On XX/XX/2022, a collection agency ran a hard pull on my credit without my authorization. 
They are a collection agency. XXXX let them do that. It is my understanding they can't do that. It's not for a job. It's not for credit. It's not for insurance. An apartment. 

How can they have such disregard for credit laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: OK

Complaint narrative:
During the Covid pandemic although I am a XXXX and was able to work through the pandemic, my husbands job was not deemed essential so he was not able to work for a short period of time and so our household was dependent on my income alone, and although we attempted to pay all of our existing bills. We unfortunately fell behind on the payments on our card.. we were latte 4 months XXXX and XX/XX/XXXX and XXXX XXXX. We have since then made all payments on time and have paid off the balance and not missed a payment since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
AMERICAN EXPRESS is in violation of 15 U.S. Code 1691c2 for taking advantage of a Minority Owned Small Business and its owner 's personal private non-public data. I, XXXX XXXX, the consumer and natural person, was denied credit by AMERICAN EXPRESS when I was misled to applied for the XXXX XXXX AMERICAN EXPRESS CARD on XX/XX/2022. Adverse action against a consumer is AGAINST THE LAW according to the equal credit opportunity act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 and 15 U.S. Code 1691e as I have proof that I was discriminated against by AMERICAN EXPRESS due to the response I received. AMERICAN EXPRESS is in violation of 15 U.S code 1642, U.S.C 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit, this is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of AMERICAN EXPRESS. If AMERICAN EXPRESS fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card, I will indeed make AMERICAN EXPRESS criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. I will also follow up with an invoice for said violations. Thank you, XXXX : XXXX Without prejudice, all natural inalienable rights reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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: DISCOVER BANK
State: MI

Complaint narrative:
As of XX/XX/XXXX a new credit card account was added to my credit profile. Address was added with it that belongs to an ex-girlfriends parents. Account was opened XX/XX/XXXX while we were together. I had no knowledge of this credit card and did not consent to co-sign for it. Account is in dispute with XXXX and Ill be calling Discover Card during business hours to notify them. Credit limit on account is XXXX with total use being XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
AMERICAN EXPRESS is in violation of 15 U.S. Code 1691c2 for taking advantage of a Minority Owned Small Business and its owner 's personal private non-public data. I, XXXX XXXX, the consumer and natural person, was denied credit by AMERICAN EXPRESS when I mislead to applied for the XXXX XXXX XXXX XXXX AMERICAN EXPRESS CARD Credit Card. 

Adverse action against a consumer is AGAINST THE LAW according to the equal credit opportunity act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 and 15 U.S. Code 1691e as I have proof that I was discriminated against by AMERICAN EXPRESS due to the response I received. 

AMERICAN EXPRESS is in violation of 15 U.S code 1642, U.S.C 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. 

Furthermore, because my social security number ( credit card ) was used and I received NO benefit, this is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of AMERICAN EXPRESS. 

If AMERICAN EXPRESS fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card, I will indeed make AMERICAN EXPRESS criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. I will also follow up with an invoice for said violations. 

Thank you, XXXX : XXXX Without prejudice, all natural inalienable rights reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhas 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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