vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-17 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:
n accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX GA XXXX Account # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX  GA XXXX Account # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: IL

Complaint narrative:
My mortgage was transferred from The Money Source in XX/XX/XXXX. I was informed by the XXXX XXXX XXXX XXXX that my taxes not paid and sold. I went to the XXXX  XXXX  to find out what was going on since Ive always paid my taxes and insurance through escrow ; they shouldve been paid. I was informed that XXXX mortgage company paid the taxes late and XXXX XXXX sent the tax payment back to the XXXX mortgage company during this time I was transferred to XXXX XXXX. XXXX XXXX  claimed to have paid the taxes that were never paid during the month of XX/XX/XXXX. XXXX mortgage claimed they also paid the taxes. XXXX XXXX  claimed that my mortgage increased tremendously because they had to pay taxes that were never paid. XXXX XXXX  received a balance for the taxes in XX/XX/XXXX. I was informed of this after they exclaimed my mortgage increased {$800.00} due to an increase in taxes and insurance. I spoke with several people in the tax department for XXXX and XXXX. XXXX then claimed that my escrow account was short due to delinquent taxes. Ive communicated with both companies and was told several different things since XX/XX/XXXX. XXXX XXXX  says that they found some of the money missing in my mortgage account, decreased my mortgage from {$1700.00} to {$2600.00} in XX/XX/XXXX, to {$2300.00} XX/XX/XXXX, now to {$2100.00} XX/XX/XXXX. XXXX Mortgage company stated that they sent both my escrow balance of {$3700.00} to XXXX XXXX  in XX/XX/XXXX and the unpaid tax check in XX/XX/XXXX. After XXXX XXXX  admitted to receiving the tax refund, they exclaimed that they would be resolving the missing escrow check with XXXX. I later contacted XXXX XXXX  myself, they stated that they would re-issue the escrow check to XXXX and that XXXX should have it no later than 7 10 days. XXXX XXXX  later contacted me stating that XXXX is claiming I had a negative escrow balance which still makes my escrow account short. I have never not paid into my escrow account. XXXX and XXXX  XXXX  have not resolved nor located the missing {$3700.00} from my escrow account. Each time I call I am told something different. I am now paying an additional {$400.00} a month due to their lack of competence. They stole my escrow and is refusing to give it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: GA

Complaint narrative:
In regards to the XXXX XXXX  and XXXX account listed on my consumer report. Ive allowed XXXX, Equifax and XXXX a total of 2 years and counting. The chance to thoroughly investigate and report accurate information on my consumer reports. To this day, these agencies can not seems to accurately report. As Ive stated before, Ive been disputing the many inaccuracies on my reports. Keep in mind, I have all results of the many disputes. Each dispute states that each agency has verified the account with the data furnisher. I want to know, are these agencies using the same data furnisher? Im asking as the information that has been verified by each agency is completely different from the other? Ive even asked for the agencies to provide me with proof of the information that was verified by the data furnisher. Neither agency will provide, Im not understanding why these agencies can not provide me with this information. There is no way that these agencies can continue to report inaccurate information and refuse to show proof of where they are receiving this information. Ive tried just about everything possible for these agencies to report the information accurately or delete the account because of the inaccuracies. These agencies are continuously violating my consumer rights per the FCRA. I will be consulting an Attorney regarding the negligence of these agencies as they continue to report inaccurate information. Im asking that the CFPB take this matter seriously, please do not close this complaint as done previously with the companies stating that they will thoroughly investigate my concerns. Each time this has been done, no thorough investigations have truly been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: GA

Complaint narrative:
In regards to the XXXXXXXX XXXX XXXX XXXXXXXX account listed on my consumer report. Ive allowed XXXX, XXXX and Experian a total of 2 years and counting. The chance to thoroughly investigate and report accurate information on my consumer reports. To this day, these agencies can not seems to accurately report. As Ive stated before, Ive been disputing the many inaccuracies on my reports. Keep in mind, I have all results of the many disputes. Each dispute states that each agency has verified the account with the data furnisher. I want to know, are these agencies using the same data furnisher? Im asking as the information that has been verified by each agency is completely different from the other? Ive even asked for the agencies to provide me with proof of the information that was verified by the data furnisher. Neither agency will provide, Im not understanding why these agencies can not provide me with this information. There is no way that these agencies can continue to report inaccurate information and refuse to show proof of where they are receiving this information. Ive tried just about everything possible for these agencies to report the information accurately or delete the account because of the inaccuracies. These agencies are continuously violating my consumer rights per the FCRA. I will be consulting an Attorney regarding the negligence of these agencies as they continue to report inaccurate information. Im asking that the CFPB take this matter seriously, please do not close this complaint as done previously with the companies stating that they will thoroughly investigate my concerns. Each time this has been done, no thorough investigations have truly been done.

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 2022-03-17 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: IL

Complaint narrative:
In accordance with the fair Credit Reporting act XXXX XXXX.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS, 15 U.S.C 1681 section 602 states i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also stated a consumer reporting agency can not furnish a account without my written instructions misleading inaccurant accounts holding me back in life i been consistent with my certified mail goin on a year for future court records please some one -.please respect my rights.

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 2022-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: OR

Complaint narrative:
Morgage company XXXX has now misplaced three cashiers checks. A second payment was made in XXXX for XXXX and one in XXXX for XXXX. We also sent a replacement money order from our bank in the amount of XXXX with and other monthly of XXXX sent certified mail. They applied the XXXX and lost the replacement for the originals they lost. We have provided them a notorized letter from bank saying they cashed the original payment. They have sent letters admitting fault and refuse to correct the account or my credit score. I will attach documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: PA

Complaint narrative:
FRAUD ACCOUNT ON MY CONSUMER FILE. I AM REQUESTING DELETION. I SENT IN FTC REPORT AND COPY OF MY PA STATE ID.

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 2022-03-17 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: NC

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2022-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
In XXXX I received XXXX XXXX at the XXXX  by a XXXX  in Alabama. I had XXXX insurances and the final XXXX  from the secondary showed I owed {$0.00}. After speaking with the doctor billing office I was told by phone I didn't owe anything. 
In XX/XX/XXXX XXXX XXXX  XXXX XXXX purchased a large number of accounts from the doctor billing, mine was one of them. Since then they never attempted contact with me to let me know they thought I owed them money. 
In XX/XX/XXXX I received a communication from the collection agency Wakefield saying that they were collecting my debt with XXXX. It took a while to trace it back to that specific XXXX  cause they refused to add any information, but I finally did and got the information above from the doctor billing office. 
Since then I have offered multiple times a copy of the XXXX  showing my {$0.00} balance, but Wakefield says that their client, XXXX, refused that document and claims that my insurance didn't respond to their query. no further information. 
My insurance reached out to Wakefield volunteering any info they need. 
Wakefield is refusing to provide XXXX contact info and just want me to pay. XXXX XXXX is acting in an unlawful way, first not communicating to me ever, then sending me to a collection agency, then refusing documentation that shows the balance and untruthfully claiming to have contacted my insurance ( I asked them and they never received a call, email or mail from them ). Looking up the company there are a whole lot of suspicious things, like the address they registered the company at in XXXX and the fact that the listed 'manager ' hasn't lived at that address since XXXX https : XXXX I believe they have been doing this to multiple people, since they purchased a whole package of accounts just from that one XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: MN

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. 
Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On today 's date after consulting with Experian representative I have notice an incorrect amount reported belonging to XXXX. Investigating the representative told me that the company never reported since or incorrectly reported. The credit cars is 90 days delinquent for inaccuracy with debt paid always way before the due dates. Calling the credit card and asking for a manager the rep. Answered that no manager was on site so I got a supervisor. Explain the drama she wanted me to talk to a manager that mysteriously has appeared in the building. Explain again the latter, instead to recognize the mistake said that for security purposes she would not continue the conversation. No threats nor insults have been made on my side. This is the 2nd time this is happening with mistakes influencing credit scores. The situation must be correct once for all. I urge XXXX XXXX customer to check their reports amid zeroing incongruences. This company is managed overseas primarily in the 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 non-monetary relief
Consumer complaint received 2022-03-18 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: MN

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. 
Failure to do so is a violation of my rights.

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 2022-03-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I tried several times to open a savings account with Comenity Bank today. They said they are " unable to open an account '' with me but wouldn't tell me why. They wouldn't tell me what they relied on to deny my account. I called XXXX times and told them I would file a complaint with you. I have a credit score of XXXX and no adverse information on my XXXX Report. When I said I had a right to an Adverse Action report under the FCPA, they said they would eventually mail me one in about two weeks ( that I guess I would receive in about three weeks ). 

My guess is they have some of my personal information wrong. I offered to let them run a credit check or let me apply in paper or let me verify my information by sending them my driver 's license but they wouldn't. 

I tried XXXX times. I'm 100 % confident that all the information I gave them was accurate. 

I also asked to speak to a supervisor. That request was denied on the grounds that the " supervisor would tell me the same thing. '' If they have false information about me, I want to know what it is so I can correct it. I am concerned my name and email and address has gone on the " dark web. '' ( I've been told it has. ) And if someone else is messing with my otherwise perfect credit, I need to know about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST NATIONAL BANK OF OMAHA
State: MO

Complaint narrative:
I am a victim of identity theft. An identity theft used my personal information without my permission to apply a loan from the first national bank of Omaha, and theres monthly payment {$490.00} charged from bank since XX/XX/2021. The loan is not mine, I have enclose proof of my identity and a copy of my identity report. 
I discovered this XX/XX/2021 and report to XXXX  XXXX police department, case no XXXX and federal trade commission case XXXX and sent the report to the bank. 
the bank do not stop collect the loan that is 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 2022-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC
State: NY

Complaint narrative:
XXXX XXXX  XXXX  XXXX  the original creditors have been trying to extort {$650.00} from me by establishing a negative debit to collect under an attempt that needs to be nullified. With every attempt to dispute this charge I have told these creditors that I have insurance for medical debits I don't have any reason to collect a debit because I am fully insured and they could have billed my insurance instead of making me respectfully responsible for a debit. These people have been harassing me for years and it's time for them to stop disparaging my credit. It is totally unfair for me to achieve anything credible of worthiness as this means a major hindrance going forward

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: First National Collection Bureau, Inc.
State: KY

Complaint narrative:
XXXX. First National Collection Bureau sent me at least XXXX emails in one day

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: NC

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2022-03-18 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: NC

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: MN

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. 
Failure to do so is a violation of my rights.

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