vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX

Complaint narrative:
Rushmore Loan Management Services needs to be investigated for illegal loan servicing. 

They disbursed Escrow funds out of my account on XX/XX/XXXX for XXXX XXXX / XXXX XXXX. Around XX/XX/XXXX they placed a stop payment on this first check without telling anyone. We have Rushmore on a recorded call stating that it was THEIR mistake as they put the wrong Policy Number on the disbursement check. This caused the check to bounce due to stop payment and a {$35.00} charge was issued. This was Rushmore 's error as stated by both them and the Insurance company. They reissued the check. 

BUT THEN, when it came time to pay the insurance company the {$35.00} due to Rushmore 's error, they took or stole it from m

y Escrow Account when it should have been paid from their Corporate funds since this was their mistake and we have that on a recorded call of them admitting that on their end. My Escrow account is now Short and I ha
ve wasted my valuable time dealing with their incompetence 's and expect to be reimbursed for the {$35.00} to my Escrow account and a separate reimbursement for my lost time and troubles. They have mis-managed my Escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These accounts are not mine. I need these accounts removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These accounts are not mine. I need these accounts removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: GA

Complaint narrative:
Report filed with FTC for identity theft fraud report sent to reporting agencies XXXX, XXXX, and Transunion dispute letters that identified fraudulent information for all three credit reports sent via mail fraudulent accounts used my correct information to update their information via disputes sent to credit agencies they have been harassing me since then. 
credit agencies refuse to correct incorrect information.

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 2023-08-24 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: GA

Complaint narrative:
Report filed with FTC for identity theft fraud report sent to reporting agencies XXXX, Equifax, and XXXX dispute letters that identified fraudulent information for all three credit reports sent via mail fraudulent accounts used my correct information to update their information via disputes sent to credit agencies they have been harassing me since then. 
credit agencies refuse to correct incorrect information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 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: NY

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-08-24 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: NY

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
Wells Fargo opened a personal loan answer credit card in my name without authorization. This been going on since XXXX XXXX, all these case numbers and XXXX numbers. I was supposed to be refunded {$6200.00} for unauthorized payments out of my checking account XXXX XXXX XXXX... I have received {$500.00} refunded but not the rest. I can't believe this situation in the times we are all in 2023. Wells Fargo made a huge mistake

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 2023-08-24 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: MD

Complaint narrative:
We uploaded documents to Experian in XX/XX/2023 for XXXX XXXX  sons to freeze their credit reports. I received response letters from Experian with random names- one a girl and another boy. We suspect fraud. Trying to confirm their credit is frozen, add alerts on their files and get assistance us with a resolution. I can not reach anyone at Experian. We have no association with the other XXXX XXXX listed and they violated those children 's privacy on the letters they sent too. We are concerned this sensitive information was stolen or my children 's names were sent to someone else. No problems with XXXX XXXX and XXXX.

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 2023-08-24 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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX Account Number : XXXX Please remove it from my credit report. 


6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete From 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 2023-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo underwriter mismanaged our loan. error from origination. I have all the documents pertaining to this not answering to this problem they created. In XX/XX/2021 we refinanced with them, they had it appraised, I have it on paper part of the property was not secured in the loan. Wells Fargo was not paying the proper taxes. Because of their mismanagement I had to send them a check for over XXXX or our mortgage payment would go up over XXXX a month. I paid them but our mortgage payment still went up over XXXX. They are in denial and will not take responsibility. This has been going on now for 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 2023-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I recently installed the XXXX XXXX app and started reviewing my credit report. I saw a collections report for an account with XXXX XXXX XXXX that was opened on XX/XX/XXXX and has an owed balance of {$280.00}. I did not open this account as I have been an XXXX customer for about 3 year 's. I am also participating in a program called the XXXX XXXX XXXX that provides internet / cellular service at a free or reduced rate for low income families. I have had free/ reduced internet through this program with XXXX for over 3 years and would not jeopardize my reduced plan by adding another service alongside my established service with XXXX XXXX About 4 years ago, I was the victim of identity theft and have an open case and fraud alerts with the FTC. I am assuming this XXXX XXXX XXXX  is associated with my identity theft issue. I spoke to the collection agency today XX/XX/XXXX and spoke with a representative named XXXX who would not accept the information I provided to dispute this debt. I do have verified documentation to support this dispute. I spoke to XXXX XXXX XXXX, a rep named XXXX and was also met with mild discourtesy regarding the information I am providing to dispute this debt and no knowledge of this account. When I spoke to the collection agency, she verified my address as being XXXX XXXX XXXX XXXX XXXX CA XXXX. This is not correct. My address is XXXX XXXX XXXX XXXX XXXX CA XXXX. She also had an incorrect email address and phone number for me. I gave her the correct contact information. However, both entities are persistent about collecting this debt and refusing to accept or note the correct information I am trying to provide to dispute this account.

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 2023-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I request validation of such debit with competent evidence that I have any obligation to pay you. 

Please provide me with the following : -What the money you say I owe is for ; -Explain and show me how you calculated what you say I owe ; -Provide me with copies of any papers that show I agreed to pay what you say I owe ; -Provide a verification or copy of any judgement if applicable ; -Identify the original creditor ; -Prove that Statue of Limitations has not expired on this account ; -Show me that you are licensed to collect in my state ; and provide me with your license numbers and Registered Agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: MA

Complaint narrative:
The company was sending me payment received alerts on my loan and 3 months later started reporting my account as late to the 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 2023-08-24 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: VA

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2023-08-24 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: VA

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2023-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: MD

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-24 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: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: MO

Complaint narrative:
Three months ago I took a loan from Affirm to purchase professional services from XXXX XXXX XXXX. Due to the company failing to deliver the service I opened a dispute case with Affirm. Affirm confirmed that I wouldn't need to make payments while the dispute was under review. It took Affirm around 6 weeks to resolve the issue. While the dispute case was open and I was told to not make payments Affirm reported my loan delinquent to credit reporting companies. I reached out to Affirm for an explanation but they are not responsive and refuse to provide explanation. This wrong report has damaged my credit history and score yet Affirm is not responsive for their mistake. My loan number with Affirm is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: NJ

Complaint narrative:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT.

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 2023-08-24 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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Delete From My CREDIT REPORT 3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/2023 Delete From My CREDIT REPORT 4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX  Account Number : XXXX Please remove it from 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 2023-08-24 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: IL

Complaint narrative:
In noticed a XXXX XXXX XXXX XXXX XXXX I have no idea why this is being listed on my report and it should be removed. I recently investigated this with XXXX XXXX and I sent in the results stating that it was removed below.

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