vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-25 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: FL

Complaint narrative:
XXXX XXXX XX/XX/1973 Last 4 SS # XXXX XXXX, Transunion, XXXX These ( 3 ) credit Breaus are reporting inaccurate information on my Credit Report I've disputed these accounts several times with no Removal off my Credit Report. 
XXXX ( Fraudulent ) XXXX ( Fraudulent ) XXXX ( Fraudulent ) XXXX ( error paid ) XXXXXXXX XXXX ( Fraudulent ) XXXXXXXX XXXX XXXX ( Fraudulent ) XXXX XXXX ( Fraudulent ) XXXXXXXX XXXX XXXX XXXX ( Fraudulent ) XXXX XXXX XXXX ( Fraudulent XXXX XXXX & XXXX ( Fraudulent ) XXXX XXXX XXXX Fraudulent ) XXXX ( Fraudulent ) XXXX ( Fraudulent )

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 2022-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: NV

Complaint narrative:
Southwest Credit Systems has placed an alleged debt account on my credit report without providing me with proper written communication first, giving me the opportunity to dispute the account. This company never even checked to verify if this alleged account was my own. I woke up this morning to see my credit score decreased by XXXX points for an account that I do not recognize. The original creditor XXXX was notified that the account was fraudulent due to ID theft and was permanently removed from my credit report last year. This account needs to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: MS

Complaint narrative:
Credit management reported a debt to credit report for a debt that is not mine. 
The company is ( XXXX ) for {$100.00} The account number is XXXX Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX. 
XXXX, Illinois I dont have a middle initial and I have never lived in XXXX XXXX Illinois XXXX The account information says this was during the year 2021 I have lived at my address in Mississippi for the past 14 years. This is not my account.

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 2022-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL

Complaint narrative:
I received a notification on my credit report that a debt collector reported me for non payment of a medical account. Upon further investigation I discovered that an former partner of mine falsely signed my name and used my information as his primary guarantor during a hospital visit for himself. I had no prior knowledge of this expense, I did not agree to pay this debt, nor had I had any knowledge of this hospital stay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: VA

Complaint narrative:
Capio collections agency, has continuously called my phone attempting to receive payment of debt that I do not have with XXXX hospital in XXXX, Virginia. The agency 's reps. claim a balance of {$960.00} from a visit to the XXXX on XX/XX/2020 was sent to their collections agency on behalf of the hospital. However, I am fully insured and have contacted the XXXX hospital billing department numerous times regarding the alleged balance, and they have informed me that I do not have a balance nor have any past or present bills sent to collections. The XXXX billing department has also informed me that they don't have partnerships with the Capio collections agency to collect patient debt on their behalf. More importantly, the Capio collections agency has knowledge of my all of my information such as, social, full name, address, and account number with XXXX hospital. Many of the representatives sound un-professional and lack customer service etiquette working with the Capio collections agency. They have also sent letters that I no longer have or can find mimicking an actual debt collections agency report. I am reporting the agency as fraudulently trying to receive payments from patients and harassing me with constant calls regarding the made up debt. The number the collection agency has called from includes a local area code, but each time I call a different person answers as if the calls are diverted to different phones. The phone number they last called from was ( XXXX ) XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-25 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: SC

Complaint narrative:
XXXX XXXX Date : XX/XX/2021 Amount : {$350.00} In accordance with the Fair Credit Reporting Act XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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

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 2022-05-25 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
My husband applied for a loan with rocket mortgage, Without my knowledge or authorization, Rocket Mortgage did a hard inquiry on me. I never spoke with anyone at rocket mortgage. When I received a email stating a hard mortgage inquiry. I called the mortgage company asking them to remove it because I did not talk with anyone about a loan or authorize the pull. They refused, saying my husband has the right to do so. My husband is not on my deed or my loan. Further more rocket mortgage discussed my loan with my husband. 

Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: AL

Complaint narrative:
Company attempted to fraudulently collect on a debt not owed nor opened on dates reported on my credit report on XX/XX/2022. I was alerted of a data breech regarding my personal information on XX/XX/2022, from a company ( XXXX XXXX ) out of XXXX, Texas and almost exactly a month later a company ( PARAMOUNT RECOVERY SYSTEM ) also out of XXXX, Texas tries to fraudulently collect on the same exact account I gotten removed no letter of this debt or original contract of proof was ever sent to my home address! This collection agency has called from several different fraudulent numbers harassing and not stating accurate information! XXXX already deleted off my credit report on XX/XX/2022 but the company attempted to report to XXXX I disputed that. Today XX/XX/2022 i got an alert from XXXX and i just disputed that according to XXXXaw code 15 USC 1692 PARAMOUNT RECOVERYXXXX XXXX XXXX XXXX XXXX, TEXAS XXXX is in direct violation of reporting false inaccurate information on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
I would like to file a complaint against Rushmore LLC. I believe Rushmore LLC did not follow our government instruction/regulations on VA loan modification for the following reason. 

Rushmore is my VA lender of XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I am solo on this loan. 

1 ) Rushmore LLC illegally modified my VA loan with XXXX XXXX XXXX XXXX. She was not on my VA existing Mortgage loan. 
I am solo on this VA loan and This VA loan is only for Veteran and XXXX XXXX. XXXX XXXX XXXX XXXX is not an XXXX XXXX and she is not a veteran. We are not married. 

3 ) this is my solo VA loan. It is mine. it is not hers. How in the world Rushmore is allowed to modify my solo VA loan with XXXX XXXX XXXX XXXX? 

4 ) Rushmore cancelled my property/house insurance without my permission. Accident is unforeseen event. 
That is why we are required to have house insurance in order to get loan approved. When I asked them, they ignored me. 

XXXX ) On XX/XX/2022 I was informed XXXX XXXX XXXX closed on a mortgage. My VA loan would be paid off on that same day. I also was informed that XXXX had provided all of the payoff information that XXXX XXXX XXXX needed. There was no required my present in person at closing office. Therefore, I did not show up. 

5 ) However, On XXXX XXXX XXXX  I was informed that my VA loan on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have not paid off as promised. about a week prior to closing date, The closing title agent, XXXX XXXX called me. He introduced himself that he is a title agent. Then he briefed to me that all he needed from me was my Quit claim Deed. So I did the Quit claim Deed then my divorce attorney sent it as demanded on the closing date XX/XX/2022. 

So how in the world my VA mortgage loan is not paid off and I am still responsible for it???? 

In Summary, due to Rushmore did not provide customers service at the minim answer the client emails. they ignored my emails and voicemails as a result they indirectly put me into deeper financial hardship. For instance, I had no choice and hired a mortgage lawyer to get the answers from Rushmore LLC. I hired XXXX XXXX XXXX because he introduced himself as he is owner of 2 law firms. One locates in NY and one locates in XXXX XXXX, FL. He promised that his company would find out the answers. but It costed me {$2000.00} per month. 

See!!!! if Rushmore services properly worked with me as adverted on their website. I would not have to pay XXXX XXXX XXXX {$2000.00} per month to get the answers. Due to my VA loan was not paid off as promised, I could not get approval for any loan. I did not meet debt radio. I ended up in deeper financial harder ship. Lawyer feed added into my plate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX, Account # 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

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 2022-05-25 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: MN

Complaint narrative:
I have contact XXXX Transunion and XXXX about the inquiries and names and debts on this account being wrong multiple times with no resolution. The sad part is XXXX sent a check to me back in XX/XX/2019 for {$16.00} for a refund for their bad marketing practices with an agreement from your company ( CFPB ), and it bounced and the company XXXX : which I used to cash the check to go directly to my account ended up charging me {$51.00}. These people are not verifying anything. I sent them my verified real spelled out name, updated my address, phone #, work info along with my ID and SS card to verify myself. Those debt accounts, misspelled names and addresses are not mine and belong to someone else. 
I'm not aware of these accounts and they are being reported as fraudulent accounts. I contacted the companies who could not verify my SS # stating they don't know it. I contacted XXXX, Transunion, and XXXX who clams it was all verified. How can any of them claim I was verified when the companies don't know my SS #. I was contacted through their website. They have several misspelled names and addresses I never lived at and DOB that was breached. this is this has left my credit damaged big time. Not able to get things. By the way I sent certified letters to all three 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 2022-05-25 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: MN

Complaint narrative:
I have contact XXXX XXXX and Experian about the inquiries and names and debts on this account being wrong multiple times with no resolution. The sad part is XXXX sent a check to me back in XX/XX/2019 for {$16.00} for a refund for their bad marketing practices with an agreement from your company ( CFPB ), and it bounced and the company XXXX : which I used to cash the check to go directly to my account ended up charging me {$51.00}. These people are not verifying anything. I sent them my verified real spelled out name, updated my address, phone #, work info along with my ID and SS card to verify myself. Those debt accounts, misspelled names and addresses are not mine and belong to someone else. 
I'm not aware of these accounts and they are being reported as fraudulent accounts. I contacted the companies who could not verify my SS # stating they don't know it. I contacted XXXX, XXXX, and Experian who clams it was all verified. How can any of them claim I was verified when the companies don't know my SS #. I was contacted through their website. They have several misspelled names and addresses I never lived at and DOB that was breached. this is this has left my credit damaged big time. Not able to get things. By the way I sent certified letters to all three 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 explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
On XX/XX/22 HSBC Bank transferred my mortgage servicing to XXXX  mortgage servicer. I was under the covid forbearance plan, XXXX claims they received no paperwork related to the covid forbearance I am on. There has been no good faith effort, on HSBC 's part to send any and all records to XXXX. The records must include the phone call 's I made as in those calls, it was verbally promised I would be able to defer all the missed payments to the backend of the loan. XXXX says they have no paperwork and therefore I am under threat of foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have been trying for over a year, nearly 2 to prove to all three credit bureau 's the information that Target continues to report is not accurate. Not only is it not accurate but according to the cares act during COVID the reports should not have even been made. Additionally, I have submitted at least 2 documents to confirm 2 or the XXXX late payments reports are not true. I was given an arrangement with Target and they lied. I was told in XXXX that if I agreed to a payment arrangement and due to the cares act, missed payments would not be reported. It was not intentional at no time and did not happen. 

This is on going inaccuracies are affecting my life, my credit, and my family. Please someone needs to investigate and have Target fix it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax Complaint : Freeze not being lifted, though website, and their own reps indicate otherwise. 

On XX/XX/XXXX I logged into my account at XXXX XXXX XXXX  and initiated a " thaw '' to my preexisting credit freeze. On the website, I received confirmation that the freeze had been lifted. I did not receive email confirmation. 

On XX/XX/XXXX I was denied credit by XXXX due to the Equifax system still showing my credit freeze in place. This was only for a store credit card. XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX I called back to Equifax and after 45 min was transferred to a supervisor in the XXXX, and was told " due to an internal error, the freeze was not processed correctly '' and asked if I wished to actually remove the freeze. She asked her staff, and she would not offer any explanation as to why their website SHOWED that my account freeze was removed, nor would she provide any proof to the lender to I could show WHY my credit was frozen and therefore denied. 

I was denied credit because Equifax 's system was non-functional, and was offered no resolution to help me get the credit I have worked so hard to achieve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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:
Please see attached identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have repeatedly ignored my verified claims. They are unlawfully and illegally reporting fraudulent accounts on my credit profile.

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 2022-05-25 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:
Please see attached identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have repeatedly ignored my verified claims. They are unlawfully and illegally reporting fraudulent accounts on my credit profile.

Company response to consumer: Closed with explanation