vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
I had this collections account come on my record : WAKEFIELD & ASSOCIATES Original creditor : XXXX XXXX XXXX XXXX {$2000.00} Balance updated XX/XX/2021 Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2021 Account type Collection Paid off : 0 % Balance on XX/XX/2021 Original balance {$2000.00} {$1600.00} Payment Info Original balance {$1600.00} Balance {$2000.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/2021 Additional info Comments- Your statements- Contact XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX I HAVE PERFECT CREDIT with EXCEPTIONAL NEVER LATE PAYMENT History. I was the victim of identity theft. This is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NV

Complaint narrative:
Nissan Motor Acceptance XXXX XXXX XXXX XXXX TX XXXX Im writing to dispute a fallowing information on my credit report. It shows as XXXX report : thats {$220.00} past due from XX/XX/XXXX Owed to Nissan Motor. 
My account was closed and paid in full in XXXX when I finished paying my car payment for XXXX XXXX XXXX XXXX. After my last payment I got issued the tittle for the vehicle.

There was no further communication with the Nissan Motor nor did I receive any past due bill.

When I contact Nissan I was devised to contact cfpb and report and dispute the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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:
In spring XXXX, a hard inquiry showed up on my Equifax report from XXXX XXXX. After many phone calls, it was determined that my identity was used to open a line of credit through XXXX XXXX for XXXX XXXX XXXX purchased at XXXX. After many more phone calls, I received a letter from XXXX XXXX  saying that my identity was used fraudulently and I was able to close the XXXX XXXX account. 

Even though I have disputed the hard inquiry multiple times with Equifax, they won't remove it from my account and the PDFs they sent with the dispute results are corrupted files, so I cant open them. XXXX XXXX says that they sent a deletion request to Equifax, but as of XX/XX/XXXX the hard inquiry remains on my account. I dont know what else to try. I have proof my identity was stolen, but Equifax wont accept it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: MS

Complaint narrative:
I was a co-signer on the loan. This car was for my niece. She had an accident and did not want the car and stopped making the payments. I had no idea any of this happened until the company started calling me. My sister contacted the company and told them to come get the car. They did not go get it. My stepfather took the car back to the dealer and they would not take it. The dealer is now out of business and the car has been in the same spot since. 
It has been almost 4 years and this is still on my credit report and is the ONLY thing blocking me from buying a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: IL

Complaint narrative:
Im a victim of identity theft and fraud. I have notified the creditors/agencies several times that the accounts & inquiries are fraudulent & do not belong to me. I have not in any way received goods or services from these companies. I have provided the proper authorities my FTC ID THEFT AFFIDAVIT with a sworn statement regarding the fraudulent accounts and inquiries. The documents have been submitted to all credit bureaus as well. Again, I was not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Therefore these items must be deleted immediately. 
The FTC report ID number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: LA

Complaint narrative:
XXXX XXXX I pulled my credit report and noticed it had a collection account from national credit adjusters for an amount of XXXX. The report says the account was made on XX/XX/XXXX. I wrote a dispute letter to the 3 bureaus stating that it had to be the result of identity theft and sent in the ftc identity theft report as well. On XX/XX/XXXX I received a call from XXXX with national credit adjusters threaten me to verify myself asking me personal questions and went as far as telling me someones social security number which I know is illegal. He said the debt was from XX/XX/XXXX. I told him I never heard of XXXX XXXX and never applied for an account with them and he went on and on. I told him to cease all contact to me because they had the wrong person. On XX/XX/XXXX I received another call from the same number and when I instructed the call was being recorded and I told XXXX yesterday to cease and desist contacting me they cursed me out and hung up in my face. On XX/XX/XXXX I received a letter from the company providing a contract between them and someone else with that persons bank information ( XXXX XXXX ) on the contract and I think that has to be illegal when I specifically told them they had the wrong person already.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2021 over 60 days ago I mailed a letter to this debt collector that showed on my consumer report due to identity theft. I have tried to resolve this matter by mailing in the necessary paperwork but my request are being ignored. Under FCRA it stated that request would be done within 30 days this is well past that time and my patience.

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 2021-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
To whom it may concern, I have been with Rushmore loan management since XX/XX/2018. I have tried to modify my loan numerous times. I have always been denied. I know I am extremely past due and I have tried everything in my power to get back on track. Unfortunately, I am just too far behind. I have exhausted all of my Covid forbearance options. I was advised I can't extend it. I contacted numerous housing and urban development to try to assist me with Mortgage Delinquency and Default Resolution Counseling.I have not heard back from any institutions. I reached out to the XXXX XXXX neighborhood housing services Inc. agency ID number XXXX. I reached out to XXXX XXXX and XXXX XXXX XXXX XXXX ID XXXX just to name a few. I reached out to numerous others in my area and Im not sure if it is because of Covid that nobody answers the phone, but its always machines stating somebody would get back to me. I have plenty of equity in my property so my last resort and last option is now to obtain a private money loan. I can not get a regularloan due to my credit and delinquency, and I held off on private money because the rates are higher than normal loans. I currently already have a 6.7 %. Because of the numerous amounts of equity I have, I qualify for a rate of 9.99 % Right now, the only issue is my current foreclosure sale date that is scheduled for XX/XX/XXXX. I did call Rushmore and advised them that I am going to be refinancing and pay them off entirely. Today I spoke to a supervisor and advised them as well. At this time I am asking/begging for a loan extension. Rushmore stated that there is nothing left for me to do other than to pay them in full which is exactly what I am trying to do. Please see the attached document showing I have been approved and we have indeed already started this process. Rushmore can confirm that I indeed have requested a payoff demand. These private money loans close extremely fast as they do not have the same specifications as a regular loan. However I was advised I would need a sale date extension. I am begging you to please allow me to pay this loan off/give me a little bit more time to close this loan. I am waiting for the Rushmore loan management payoff demand as well as a few others. Escrow has already gotten to work and as long as we get this extension, I will pay all parties in full within the next 30 days.My house is worth XXXX. Please let me utilize this last option to save my home.Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: KeyBridge Medical Revenue Management
State: OH

Complaint narrative:
XX/XX/2021, XX/XX/2021 and XXXX XXXX, I XXXX XXXX asked Key Bridge to provide me with validation that I owe them an alleged debt. 

KEY BRIDGE responded XX/XX/2021 and another letter which they failed to date. These letters did not provide me of proper proof that I owe them any debt. 

KEY BRIDGE has continued to furnish false and fraudulent information on my credit report. 

FDCPA requires all violators of the law to pay those consumer they willfully violate. 

KEY BRIDGE has violated several laws including using symbols on mail, mail fraud, racketeering, refusal to send information they have of me, false representation, failure to disclose alleged contracts, communicating with me without my consent, refusal to cease communication, violating HIPPA and more. 

KEY BRIDGE believe they are above the law which is proof by their consistent fraudulent activities.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
I was a co-signer on the loan. This car was for my niece. She had an accident and did not want the car and stopped making the payments. I had no idea any of this happened until the company started calling me. My sister contacted the company and told them to come get the car. They did not go get it. My stepfather took the car back to the dealer and they would not take it. The dealer is now out of business and the car has been in the same spot since. 
It has been almost 4 years and this is still on my credit report and is the ONLY thing blocking me from buying a house.

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 2021-10-21 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: GA

Complaint narrative:
Experian has unblocked fraudulent items on my credit report due to discriminating me. The company told me to go to the police department to validate the police report that I provided them from the XXXX Police Department. The police report is accurate and valid. I am a victim of ID theft. This company have been giving me a hard time ongoing for 2 years. I have followed their instructions and they then come back to say the creditor validated the debt as my debt and they must put it back on my credit report no matter what the police is saying it is my debt. The name of the account is XXXX XXXX XXXX. I am attaching my police report as well to the document.

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 2021-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Chime Financial Inc
State: PA

Complaint narrative:
I received in the mail two separate credit cards on XX/XX/21 in my name that I had not applied for or requested in any way. The first one was a XXXX banking card and the second was a Chime banking card. I was able to contact the XXXX customer service and have that account shut down. There had not been any purchases made from it. I was unable to get in touch with Chime 's customer service and i am currently waiting to hear back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: Servatus Corporation
State: CA

Complaint narrative:
Try to call them and the lady whos responsible for my account dont need any explanation or dont want to here anything told me that all she wants to here is you have to pay the whole amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I XXXX XXXX has been violated pursuant to Exclusions statue 15 U.S.C 1681a ( 2 ) ( A ) ( iii ), and Notice Of Requirements statue, 15 U.S.C 6802 ( a ), ( b ) Opt-Out ( 1 ) ( A ), ( B ), and ( C ) ; As a federally protected Consumer, I have a right to privacy, pursuant to abusive practices statue, 15 U.S.C 1692a and anything I deem private is in fact private. According to U.S.C 1681a ( 2 ) under Exclusions " consumer report '' does not include ( i ) ... information solely as to transactions or experiences between the consumer and the person making the report ; Transunion, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all violated my consumer rights to privacy, pursuant to the above statues. Additionally, I was not disclosed of my right to Opt-Out pursuant to 15 U.S.C 6802 ( b ) ( B ) as a federally protected consumer, I never gave written instructions or authorization to ANY information furnisher or reporting agencies to publish any information. These accounts are also in litigation, initiated by myself. I want Transunion to delete this information and to be accountable for their illegal actions.

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 2021-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I open an Account with XXXX XXXX and used the account responsible and paid in full. However, after my account was paid in full the creditor closed my account. When they closed my account I received a notification from my credit reporting agency that my credit score had decrease due to a closed account. I do not think its fair for them to just close my account with out a valid reason. I would like my account reopened 0r I am open to suggestion. It is not fair how creditors get to add things to your credit report and make changes that affect your credit score.

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 2021-10-21 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: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
This Compnay continues to report that Im late on my credit report when it says that its closed. I have written them numerous letters for them to stop and they continue to report as if I owe them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-21 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: VA

Complaint narrative:
I submitted a notarized dispute letter dated XX/XX/2021. It is now XX/XX/2021 and there has been no response. According to the FCRA, if there is no response from the creditor within 30 days of dispute, the item must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: TX

Complaint narrative:
I started by disputing with the collection company XXXX XXXX which is the collection agency my debt has been sold to. When doing so they just said that they verified the account on their end. Which is incorect according to the dates I have on file. 
The Name of this account is XXXX XXXX Acct # XXXX. 
I then disputed with both XXXX and Experian twice about this account that is past the Texas XXXX XXXX XXXX which is currently 4 years. 
In my disputes letters I stated that not only are the dates wrong of when it says the account was opened but it is also past the Texas statue of limitations. Each time I have disputed and provided the documentation from the original creditor that shows this account was opened XX/XX/XXXX. Both times that I have disputed these items they come back as verified with the credit bureaus. The only thing that seems to be updating on these accounts is the date when the account was opened which they currently have as XXXX, XXXX which is innacurate. Each time I have diputed these dates have been randomly pushed forward. 

When I called these organizations to get a better understanding of why they were coming back verified, I was litterally told that the credit bureaus do not actually verify this information themselves and that they send it to the collection agencies to verify but no actual investigation is done on the credit bureaus side.

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 2021-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Mullooly Jeffrey Rooney & Flynn
State: NY

Complaint narrative:
CFPB ... XXXX XXXX XXXX XXXX, XXXX filed with the XXXX complaint # XXXX XXXX XXXX XXXX reference # XXXX Mullooly, jeffrey, rooney & flynn , LLP index # XXXX Affidavit server XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I have been having issues. But the real concerned started on XX/XX/2021. I have direct deposit set up. So basically almost everytime I use my card it it declined or state dont not honor. This is happening because in the state of Maryland a forgery Maryland Durable financial power of attorney was processed through out financial institutions to gain access to my employee benefits including stocks and XXXX account. The forgery power of attorney have a unknown agent listed that states the agent controls my money if I am able to or not.I believe that I might just in fact know the person or persons who hold the money transmitter license to act on my money which is apart of my identity theft and my identity theft is committed by a government entity contractor individual group and or business. Since XXXX my card have been declining everywhere but after the second attempt it will go through. This is being done to embrass and harass me to know where my where abouts are. Everything is wrong with finacial regulators that getting license to transmitte money illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: TX

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation