vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-03 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: CO

Complaint narrative:
The basic issue is that I am unable to log into service.transunion.com the free service that allows you to have a basic look at your credit report. When I log in I see an error stating " We are temporarily unable to complete your request.Looks like we are experiencing a problem on our end. '' I have mailed my personal information ( SSN, Driver license, pay stub etc. ) twice now under the direction of customer support staff to two different Transunion department in hopes of fixing the issue of being unable to log in. Multiple times the only thing that has happened is that I have been sent a mail containing my credit report with multiple wrong information. When I have followed the links to try and fix these issues it has directed me to the service.transunion.com site which I am unable to log into. This is now my second complaint to the cfpb whereas the first one was marked as solved and when I replied with the issue has not been solved there is no follow up.

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 2023-04-03 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: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I sent the credit bureaus a verification letter about some collections that appear on my credit reports. They never reply back to me but I did notice that they took action and they erase debt on some credit bureaus reports and the debt is still in others. 15 U.S.C. 1681s-2 ( A ) ( 1 ) Says : 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. 


Accounts : XXXX XXXX XXXX / XXXX / XXXX Balance / Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX / XXXX Balance / Date : XX/XX/XXXX Credit Collector Serv XXXX XXXX / XXXX Balance / Date : XX/XX/XXXX There's Also some debt that stills shows up on my XXXX report that I would like for you guys to check cause they don't show in my other credit reports. It is hard to provide info about this ones cause they don't show name orita dates.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2023, someone opened a Bank of America credit card in my name, in the amount of {$16000.00}. I have NO knowledge of this nor did I open this account. I reported it immediately to Bank of America. They put an alert on the credit card and closed it. Five ( 5 ) days later, XX/XX/2023, someone opened yet another credit card account in my name, in the same amount, {$16000.00}! I was never notified of this credit card, until I received an email from Bank of America. Someone had credit card sent to my old address in XXXX. I reside in XXXX. I contacted Bank of America again, but they would NOT close the account! Stated that I had insufficient information and didn't correctly answer their security questions. I notified all three credit bureau agencies both times and have a FREEZE on all three reports. Bank of America refuses to close the credit card account in my name, that is now shown on my credit reports, when this is NOT my 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 non-monetary relief
Consumer complaint received 2023-04-03 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: MD

Complaint narrative:
I leased a XXXX XXXX through XXXXXXXX XXXX XXXX The vehicle was totaled by a party that unfortunately XXXX XXXX XXXX XXXX XXXX XXXX 
Because the vehicle was totaled at no fault of my own the other parties insurance. Paid for the remaining of the vehicle. I inquired through XXXX, Trans Union, XXXX, and XXXX on the information has been provided on my credit report. All three credit bureaus did not give me anything worth substance. XXXX never responded at all. I sent out certified letters, requesting all information and regard to this debt.

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 2023-04-03 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: MD

Complaint narrative:
I leased a XXXX XXXX through XXXXXXXX XXXX XXXX. The vehicle was totaled by a party that unfortunately was XXXX XXXX XXXX XXXX XXXX 
Because the vehicle was totaled at no fault of my own the other parties insurance. Paid for the remaining of the vehicle. I inquired through Experian, XXXX XXXX, XXXX, and XXXX on the information has been provided on my credit report. All three credit bureaus did not give me anything worth substance. XXXX never responded at all. I sent out certified letters, requesting all information and regard to this debt.

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 2023-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD

Complaint narrative:
1 ) Rushmore Loan Management Servicing , LLC claims they did not participate in dual tracking or misleading/ deceptive messaging regarding my mortgage assistance process. I was denied on XX/XX/2023, provided an appeal period in which I exercised by explaining verbally the mistakes made regarding my income ; which was cited as a reason for denial. 

2 ) I then proceeded by following the representatives advice and providing a new mortgage assistance package. Rushmore Loan Management Servicing , LLC accepted a new application. Rushmore Loan Management stated they provided written notice of missing documents ; however, they only provided such notice on XX/XX/2023, while simultaneously closing my review. 

XXXX ) No previous written or verbal notice was provided that any documentation was missing or needed for the file to be complete. As I mentioned until XX/XX/2023, in which Rushmore Loan Management Servicing , LLC closed the file and with 6 calendar days on XX/XX/2023, placed a foreclosure sale date in the system for XX/XX/2023, less than 30 days from notice. 

4 ) This is an act of deception, this was done to prevent me from having the ability to respond to written missing document requests, and also to prevent me from being able to look at any other option of the loss mitigation process such as a short sale or deed in lieu. Also prevented me from potentially selling my home on the market because I now have a foreclosure sale date. Rushmore Loan Management Servicing , LLC enforced a sale date within 6 calendar days of unethically closing my mortgage assistance process, and then making the sale on XX/XX/2023, less than 30 calendar days from the file closure notice and from XX/XX/2023, date of notice of sale. 

5 ) Rushmore Loan Management Servicing , LLC claims they are in place to assist the homeowner to stay in their home while collaborating with the owner of the note to come to agreeable terms. However, my experience has been far from that these past several months. I simply would like the opportunity to be reviewed for mortgage assistance with all the correct information and so a true decision can be determined. I have been forced into a foreclosure sale date without being properly reviewed for all loss mitigation options. 

6 ) Request that Rushmore Loan Management Servicing, LLC provide documentation suggesting missing documents were requested to the XX/XX/2023, file closure letter. Rushmore Loan Management Servicing , LLC present all audio-recorded conversations from XX/XX/2023, to XX/XX/2023, when the sale date was entered into the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX Account, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX account # XXXX and 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 explanation
Consumer complaint received 2023-04-03 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX Account, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX  XXXX XXXX Account # XXXX, XXXX XXXX account # XXXX and 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 2023-04-03 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: LA

Complaint narrative:
According to 15 U.S. Code 1681b ( a ) ( 2 ) without written consent specifically from the consumer, companies or credit reporting agencies are not allowed to report any information on my credit report. I never gave any company that is reporting accounts on my credit report my permission to report any of these accounts onto my credit report. This leads way to identity theft. Due to this drastic mistake I am asking that these accounts be removed according to 15 U.S. Code 1681c-2. None of these accounts report any transaction that was made by the consumer and must be removed immediately within the 4 day time window. I have sent every company a certified mail letter explaining these discrepancies but nothing has been accomplished. I am a federally protected consumer and should be treated as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rozlin Financial Group, Inc.
State: IL

Complaint narrative:
I signed up with XXXX in XX/XX/2022. When I tried to log into my account I realized I was being denied access to the account due to a typo in my email address. After repeated attempts to contact them via their website to rectify the error I kept getting the same standard reply asking me to log in with the address on file. I was never actually able to use the account and therefore declined payment towards it. If there is any evidence to the contrary I would be happy to make the payment. A complete lack of customer service makes matters even more difficult to resolve with XXXX. 
In XX/XX/2022 I got a letter from a collection XXXX XXXX. I emailed a detailed description of the matter and spoke with them over the phone as well. There were several email exchanges and I even mentioned that I would contact a consumer protection board if the harassment continued.

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 2023-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XX/XX/2023 I am largely inconvenienced due to the Neglect to properly verify All information before Capital ones ( XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX on letter XXXX XXXX XXXX XXXX, VA XXXX on envelope ). issuing a credit card in my name. Its overwhelming and stressful to try to regain any form of peace and security during the process of protecting myself from future attacks. my address is public record. Therefore, providing a card with the use of ( an out of my state address, false income amount. my zip code with a out of state address on the application ), and All of my personal information is Neglect on capital one behalf. Also, the person ( s ) that stole my personal information Must be held responsible for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: TX

Complaint narrative:
I've tried to fix an error that is reporting to my Equifax and XXXX report, but this request has fallen on deaf ears. On XX/XX/XXXX, I sent dispute letters to the above credit reporting agencies informing them that the account XXXX XXXX XXXXXXXX is being reported incorrectly. They both are reporting inconsistent information when all data furnished should be the same. How does this meet FCRA requirements? Also, I had an agreement with this company to have my payments deferred in XXXX due to covid so there were no late payments being reported. I have tried to remedy this issue for almost 4 months so I am demanding that this account is updated to paid as agreed, no late payments within 15 days. I will attach the letters that were sent which are dated and time stamped. I will also attach the credit report showing the inconsistent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: NC

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

CHILD SUPPORT ENF AG/N : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03 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: NC

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

CHILD SUPPORT XXXX XXXX : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA. XXXX To Whom It May Concern : This is concerning Account Number : XXXX. 

I previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was a copy of alleged account information. This does not begin to fulfill my information request and your requirement to provide the requested documentation. Your effort is inadequate and does not meet Federal Trade Commission debt validation guidelines. 

The FTC has noted that providing a copy of a printout, bill, or alleged account documents does not constitute validation. Mere itemization of what you already have does not accomplish my requested debt validation. 

This is my second request. Please provide me with ALL of the following points of information : Agreement with the original creditor that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you. 
The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations in Illinois has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Proof that you are licensed to collect in my state ; and Your license numbers and Registered Agent or Agent of Service. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by bringing this issue before a judge. 

I intend to take all legal steps available to me if I do not hear back from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA. XXXX To Whom It May Concern : This is concerning Account Number : XXXX. 

I previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was a copy of alleged account information. This does not begin to fulfill my information request and your requirement to provide the requested documentation. Your effort is inadequate and does not meet Federal Trade Commission debt validation guidelines. 

The FTC has noted that providing a copy of a printout, bill, or alleged account documents does not constitute validation. Mere itemization of what you already have does not accomplish my requested debt validation. 

This is my second request. Please provide me with ALL of the following points of information : Agreement with the original creditor that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you. 
The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations in Illinois has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Proof that you are licensed to collect in my state ; and Your license numbers and Registered Agent or Agent of Service. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by bringing this issue before a judge. 

I intend to take all legal steps available to me if I do not hear back from you.

Company response to consumer: Closed with non-monetary relief