vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-05 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: Frontline Asset Strategies, LLC
State: TX

Complaint narrative:
This is not my account, I do not have a XXXX  account before. I have try to called them to get this off my credit and tell them keep give me the running around about this. My name have been change since XXXX i do not go but the last name XXXX  anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST HOME MORTGAGE CORPORATION
State: MD

Complaint narrative:
I would like to get my tax amount updated after we have received XXXX credit certification. We have solicited many times but they have not wanted to give it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: FORD MOTOR CREDIT CO.
State: NM

Complaint narrative:
I'm sorry you felt this way. You sent a survey and asked for my honest review, and I'm sorry my review offended you. Instead of disciplining your employee, you want to discredit the customer by going after the customer. You should check the quality of the employee that would commit such an egregious act against an individual, and your resolve is to dismiss the customer complaint and report as the customer is at fault for the misfortune that happened at your place of business, and I now will report you to the CFPB or Consumer Financial Protection Bureau. Do you think I'm making this up? Let 's look at the statement of fact. 
I took my car for repair, and I was told that my car incurred an impact that damaged my vehicle based on a Ford technician 's finding. I reported to the insurance since I have full coverage. Ford did a complete full inspection on the car, and no report of engine rod damage was reported. I drove the car to XXXX, and the car seemed to be fined. Since they didn't have the part, I returned to XXXX XXXX and took it to Ford for the car the final repair. When I returned to Ford, I was greeted by a young XXXX guy, not the regular tech I usually reported to. He acts like he doesn't want to get involved in whatever they plan. The young man proceeded to tell me that he had no recollection of me and that all repair was done as far as Ford was concerned. 
I thought the insurance company reneged on their payment. I called the adjuster and was told that For received the money, and when I returned and told them, they got paid, and if they were not repairing, returned the money. That young XXXX employee caught an attitude, so I said that was stealing when you claim to have done the work. I came to Ford expecting a fair and honest assessment from a reputable company, but what I received was what very well could be attempted murder. The vehicle broke down a block away from Ford. The vehicle drive would not engage. Call Ford sent a tow truck and later found the screw on the transmission rod was loose and came off while driving. Why would drive not engage? What conclusion would you come up with? I could have gotten killed if I had been on the highway when it happened.

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

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I RESPECTFULLY REQUEST FOR THIS COMPLAINT TO BE REVIEWED BY A HUMAN BEING AND NOT AN AUTOMATED SYSTEM. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2014 Credit Limit : {$5000.00} XXXX XXXX Account Number : XXXX is my oldest tradeline account with excellent payment history and, contributes positively to my average age of accounts. I never requested or consented for the removal of this account from any of my credit reports. Because the account was removed in error, it severely impacted the average age of my accounts. To help fix the problem, I submitted complaints to the credit bureaus to advise that the account number reported was not congruent throughout all three credit bureaus- XXXX, XXXX, and TransUnion. XXXX reports the account number as XXXX, while both XXXX and TransUnion report the account number as : XXXX. In addition, the payment history for this account was also reporting inaccurately, late payments. I was never late because I had a written agreement in place authorizing payments from my bank account. 

The response received from the credit bureaus after I submitted multiple complaints to them is that the account is not on my report and that they will send me a new credit report to reflect this update. THIS IS NOT MY REQUEST!!! I never requested or authorized anyone to remove the account from my credit report in the first place. Therefore, I demand for the account to continue reporting on XXXX, XXXX, and TransUnion. 

Attached is documentation in support of this complaint.

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 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I RESPECTFULLY REQUEST FOR THIS COMPLAINT TO BE REVIEWED BY A HUMAN BEING AND NOT AN AUTOMATED SYSTEM. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2014 Credit Limit : {$5000.00} XXXX XXXX Account Number : XXXX is my oldest tradeline account with excellent payment history and, contributes positively to my average age of accounts. I never requested or consented for the removal of this account from any of my credit reports. Because the account was removed in error, it severely impacted the average age of my accounts. To help fix the problem, I submitted complaints to the credit bureaus to advise that the account number reported was not congruent throughout all three credit bureaus- XXXX, Equifax, and XXXX. XXXX reports the account number as XXXX, while both Equifax and XXXX report the account number as : XXXX. In addition, the payment history for this account was also reporting inaccurately, late payments. I was never late because I had a written agreement in place authorizing payments from my bank account. 

The response received from the credit bureaus after I submitted multiple complaints to them is that the account is not on my report and that they will send me a new credit report to reflect this update. THIS IS NOT MY REQUEST!!! I never requested or authorized anyone to remove the account from my credit report in the first place. Therefore, I demand for the account to continue reporting on XXXX, Equifax, and XXXX. 

Attached is documentation in support of this complaint.

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

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2022-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: NY

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
The account in question has been paid and the debt settled prior to the purchase of my first home in XXXX. Since then this company has continued to file fraudulently on my credit report every few years demanding payment of this settled debt. Every time I have disputed this debt and it has been removed from my credit report. Now I am being contacted by a third party on behalf on HSBC bank attempting to sue for this settled debt from 17 years ago in XXXX ( date of when the account was closed ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
I spoke with Rocket Mortgage on Friday XX/XX/2022. I had received mailers and wanted to discuss their mortgage products as we were interested in refinancing in XXXX. I was asked if they could pull my credit, and immediately asked if this would be a hard credit check. No was the immediate answer. I was told it was a special mortgage check. Shortly after the call, my credit alert services all notified me that there was a hard credit check performed by RM. I escalated to XXXX XXXX who, after taking almost a full week to look into the situation, called me back and said there was nothing they could do. No explanation was offered, no recourse provided. During the six days I waited for a call back, I received multiple calls from Rocket regarding refinancing products and reiterated my complaint. I asked to further escalate and was told no, XXXX XXXX makes the decisions. RM used a deceptive tactic to pull my credit for a loan that we werent planning on even applying for until several months from now. On the initial call I even admit that I had plans to spend some time working on my credit score and paying down cards because we werent ready to apply yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against NATIONAL CREDIT ADJUSTERS , L.L.C for committing identity theft. I have never given NATIONAL CREDIT ADJUSTERS , L.L.C any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have never received any type of documentation requesting validation from NATIONAL CREDIT ADJUSTERS , L.L.C before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If NATIONAL CREDIT ADJUSTERS , L.L.C can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until NATIONAL CREDIT ADJUSTERS , L.L.C can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and NATIONAL CREDIT ADJUSTERS , L.L.C continues its collection efforts, I will file for litigation for actual damages caused and NATIONAL CREDIT ADJUSTERS , L.L.C will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

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

Complaint narrative:
I am writing to delete the following information in my file, the item i need to delete are listed in the report. I am a victim of identity theft. I demand that y'all remove these items from my credit file to correct my credit report. I also reported the theft of my identity to the federal trade commission & enclosed copies of the federal trade commissions identity theft affidavit. remove these items immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: PRESTIGE FINANCIAL SERVICES INC
State: TX

Complaint narrative:
Prestige Financial Services is consistently and intentionally furnishing inaccurate and incorrect information to the consumer reporting agencies against me. I began to notice the inaccurate reporting in XX/XX/2022. I submitted disputes to all three credit reporting agencies. It is now XX/XX/2022 and I am tired of the aggravated identity theft, invasion of privacy and the hostile nature of which I am being treated.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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.

The inaccurate information reporting on my consumer reports include Prestige Financial Services reporting the following inaccuracies : Incorrect account numbers, inaccurate account types, differences in account detail/type, date last active was different, differences in date last reported, comments differed, differences in balance, ect.

This is out of compliance pursuant to 15 U.S.Code 1681e I have proof of intentional and inaccurate reporting MULTIPLE times a month. This is harassment, and abuse. Prestige Financial Services is causing me tremendous financial harm, I have documented proof of inaccurate reporting across XXXX, XXXX and XXXX. I have submitted the following complaints against Prestige : CFPB complaints ( XXXX ), XXXX  Complaints, I have submitted Attorney General complaints for both Texas and Utah. Prestige Financial Services continues to violate my consumer rights with willful noncompliance which is a violation pursuant to 15 U.S.Code 1681n ( a ) ( 1 ) ( a ).

These are violations of my consumer rights.The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. The inaccurate reporting has damaged my livelihood.

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

Complaint narrative:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.

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