vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-18 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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18 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: Regional Management Corporation
State: SC

Complaint narrative:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have a freeze on all my credit reports Equifax which Ive tried to get help with for months has giving me a hard time. They are reporting 5 inquiries on my report. Which I did not do business with the other companies which is unauthorized unrecognized fraudulent. Which I only ran credit with XXXX XXXX. Also Equifax. Id report my credit usage incorrect every month its XX/XX/2023 & they claim that they havent received any update from the credit card company which the card company reports every XXXX of the month & my other 2 reports got the updated which is reporting had 100 % credit usuage which is incorrect & Equifax does this every month.credit one bank updated on XX/XX/2023. Also they report an account from XXXX XXXX  which has been deleted from all my reports expect Equifax a forgiven debt which went through irs. They updated the balance to XXXX XXXX after calling but still on there. They keep reporting wrong information, never been interested in credit the way I am now so trying my best to be responsible but companies make it hard

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of America rep confirmed that 2 accounts were opened using my SSN and email address. Called back to ask for confirmation that these are closed. 2nd rep said there were no accounts on file. Uncooperative in resolving this issue and confirming that my SSN will not be used to open any bank accounts or other financial contracts with BOA. I am not a customer and have not been for almost 30 years. And never will be. screenshots of numerous emails I have received are attached. I have selected CREDIT CARD however, I suspect that this could other accounts that use online banking.

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 2023-05-18 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: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
I received a notification from XXXX XXXX XXXX regarding a new account being opened in my name. I checked my credit report and there was an account from CB Indigo/GF opened on XX/XX/23 found on XX/XX/, that had a balance of {$130.00}. I contacted the company with the number provided on the credit report and spoke with a representative, informing her that the account did not belong to me, she asked questions and verified that the address on file was not my address and would initiate a fraud investigation. She instructed me to file a complaint on this site and it would take them approximately 60 days to investigate and remove the account from my credit report. The contact number for CB Indigo/GF is XXXX XXXX ) XXXX. Thank you for taking the time to look into this fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
YOUR COMPLAINT Chase totally initiated this criminal action. 
This whole situation was initiated by XXXX XXXXXXXX XXXX on behalf of JPMorgan Chase Bank , N.A . Then XXXX XXXX then XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX now represented by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX of XXXX. On XX/XX/2023 I did not show up for a hearing on a fraudulent foreclosure housing court hearing as I am XXXX XXXX XXXX XXXX XXXXXXXX and with XXXX XXXX XXXX XXXX XXXX XXXX XXXX highly aggravated by stresses. This XXXX XXXX XXXX is well aware of my age and health status. I filed into a Superior Jurisdiction Court being the Land Court, to address the criminal illegal foreclosure attempted on me as well as Now illegal eviction threat on me. I am legally allowed Special Accommodations in all of the courts as per XXXX laws and now this being the case this XXXX XXXX XXXX, XXXX is trying to illegally not only push thru this illegal foreclosure fake/forged documents but Now also this party is trying to evict me before 10 days the default removal time window is closed for removal of this so called default. being the 10 days from XX/XX/2023 is XX/XX/XXXX, XXXX attempted eviction is illegal as per misrepresentation forgery and photocoping present on foreclosing documents. This party was supposed to wait until at least XX/XX/2023. This party is trying to avoid my Land Court Complaint that I have filed on Friday XX/XX/2023 for Try Title, proving illegal foreclosure and other crimes done to me as an XXXX XXXXXXXX person and homeowner of 34 years. This attorney XXXX XXXX XXXX XXXX XXXX should be disbarred for this abuse to me, as well as aiding and abetting this XXXX XXXX XXXX, XXXX for criminal acts to what amounts to Premeditated murder for profit of this XXXX XXXX woman with use of an illegal foreclosure with use of emotional terrorism. Also on the early XXXX XXXX of XXXX there was an attempted Trespassing situation whereas a man entered my property ( recorded on security cameras ). I have been living here at this same address since XXXX and this has never happened before. I believe this party is XXXX XXXX XXXX, XXXX is trying to terrorize me into leaving my home to steal possession of it, to flip it for Profit, in short premeditated murder for profit, terrorizing this XXXX XXXXXXXX person. It was only 4 days after this so called default that a clerk defaulted me when I was supposed to have 10 days to remove it. Also, What gives a Clerk the authority to rule on a case? and or execution?? attached housing court docket and police report -- -this is all in addition to this dangerous aggressive predator XXXX XXXX XXXX XXXX to my door to terrorize me on XX/XX/2023 as attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: IL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct.

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
CONSUMER ADJUSTMENT CO XXXX XXXX XXXX XXXX Balance owed {$3400.00}. Tried reaching out to the company to inquire further information. I have no knowledge of this company and maintain help insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express keeps giving inconsistent and misleading information on same subjects. 

I opened a new credit card with American Express on XX/XX/17. Before applying online, I called their customer service to confirm if they have next day delivery option since I will be away from the delivery address but need to use the card, the representative told me there is an instant card info service that applies to certain cards. So I asked her if that applies to me, she said, yes, since you are a new customer, you can have the instant card info and you will receive an email right after opening the account. However, after opening the account, I didn't receive such email. So I called them again, and the rep this time told it is not eligible to me. If I had known the first time I called, I wouldn't have opened the account at all. This is false advertising. 

Then, I looked it up on their website, and saw this statement " If you need to change the shipping address, please contact us. '' under the new card deliver page. So I reached out to an online chat rep and asked if they can change the delivery address. This rep told me, he can not do it but he gave me a number and said it can be done on the phone just not in the chat. With the previous experience, I asked him are you 100 % sure they can do it. He said he needed to further check and then messaged me " Yes, I can confirm they can do it. I dialed the number he gave me, but the rep on the phone said they can not do it but I can contact the new account service department and they can help me. So I did, but apparently they also told me there is nothing they can do. They can not change the delivery address whatsoever. 

So far, aside from getting false information and lied to, nothing has been done to solve any issue with the new account opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I previously use XXXX XXXX XXXX in NJ. On XXXX, 2022 my lease expires and I move to MA XXXX I previously call XXXX to close my account on XXXX but they didn't close my account until XXXX and charged me for the entire month. I have called XXXX to close that account but they still keep charging me {$59.00} which equals the amount of the entire month. Regardless, According to XXXX XXXX. Code XXXX, they must pro-rate the last month of the bill if it enters another billing period. I have called XXXX XXXX to settle down the account for {$30.00} but never get at least a {$30.00} refund back. 

Recently I realize XXXX put a record on my credit report that says I have {$59.00} past due. This is not correct and I shouldn't pay for that. This record impacts my credit by XXXX points.

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 2023-05-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
INACCURATE account being reported negatively as a " COLLECTION '' on my credit based on " Alleged '' default from XX/XX/2018, which is well past the four year STATUTE OF LIMITATIONS to collect. 
Midland funding is actively and aggressively making attempts to collect this debt, in direct violation of state law. 

Please Remove this inaccurate account in it's entirety ASAP per FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18 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: MO

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I, XXXX XXXX principal holder, have wrote a letter to Nationwide Credit Inc letting them know it's my policy to pay all legitimate debts, but to also not be defrauded by clever schemes. I do not have any contract with them. I asked them to prove to me that this is a true debt. They have not responded. or removed this of my credit report. I am willing to go into arbitration if they don't remove this off and but make account in Good standings. 
F.D.C.P.A. at 15 USC 1692 e.g.

Title 18 section 8 ( All debt is the obligation of the UNITED STATES Cestui que vie act of 1666 trust account pursuant 15 usc 83 banks can not loan money 1933 emergency banking act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
This is the Third time I have had to deal with this debt collection company over medical bills. This company refuses to send me a written account of anything I May owe, so I could check with Medicare and verify correctly. Every time I call and remind them of this being against debt collection customer laws etc, all I get is Attitude from reps with no intent of fixing anything. I am thru trying to work with them, and as of this very moment my credit score has dropped XXXX point over accounts I were not even aware of. I was a XXXX patient at the XXXX XXXXXXXX, and was paying my deductibles and co-pays along the way working with my XXXX XXXX Medicare provider to keep account of bills I might owe, so this is totally against rules. I have not seen ANY bill statements from this debt collector as of today, and as far as I know all bills could be less than XXXX XXXX and therefore not qualify for reporting per New Reporting laws this year!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Vehicle impounded illegally No notice of location given to owner of record Difficulties encountered while determining funds availability which include constant website issues, an app which is nearly useless, and my local branch refusing to cash paychecks written from my place of employment literally one block away from which I regularly cashed checks. 
Lot fees of vehicle rise exponentially as days slip by. 

Blocked from depositing checks from lenders Unable to access my funds in bank No way to purchase legal aid in order to enlist the proper aid which might reconnect me with my vehicle. 


When I finally was able to find the location of the XXXX XXXXXXXX XXXX, it had been towed out of the city where it was parked. The parking lot it was alleged to have been violating the rules of state that a vehicle may be towed after it has been notified via writing on the vehicle after 72 hours from the notice. The owner of the business must be the one requesting the tow. Numerous points of procedure were overlooked I was not sent via usmail my vehicles destination, given pricing, or told a police report number. I spent months arguing futilely with two of the most agreeable organizations with which to spend time conversing logically in the world : the XXXX Police Department and a Privately owned Tow Yard whose owner blocked my cell phone number after I warned him of the potential ramifications of his criminally predatory tow practices. The vehicle was listed at around XXXX XXXX  and there were models being sold at dealerships which I would regularly pass by which were priced around XXXX XXXX. After the detective work was finally completed which unearthed the location of my vehicle, the Towyard began extorting me with its demands for exorbitant fees to be paid per day or hour or something with enormous fees tacked on for towing and storage. My Wallet, ID, Cell Phone, Laptop, and much more were in the vehicle they basically stole, and I was in a position where I chose to provide in home care to my mother while she was suffering through XXXX XXXXXXXX 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 

This Bank choosing not to work with me in an effort to recoup my property of significant value for a sum of money which initially did not exceed the amount which I was having direct deposited into my account was morale shattering. I felt hopeless, without value, and alone.

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 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Personal Information Update Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 Experian XXXX XXXX XXXX XXXX, TX RE : Social Security Number XXXX To Whom This May Concern : This is my SECOND TIME writing you to update my information 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities With fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Legal Name - XXXX XXXX XXXX. My Address - XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX Please delete all other addresses, I can not receive mail, any correspondence, nor do I have access to any of these addresses. Please delete these outdated addresses and update my consumer report with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ). I am a federally protected consumer and I have a right to privacy. Not granting me my rights is indirect violation of 15 USC 1681 and all its subsections.

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 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed a complaint with all 3 bureaus and they responded and said all information was updated and they sent out a letter via mail saying they updated information on account. They have not sent any letters. XXXX has set out a report of all information reporting on credit report and I have asked that they update all my information and I also gave them the correct information to update them with. They have not done so.

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 2023-05-18 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: MO

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief