vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-09 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX To whom this may Concern : 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer.

NO CONSENT IS IDENTITY THEFT, as a consumer I am demanding that these accounts listed be REMOVED IMMEDIATELY!

Failure to do so, will result in me taking legal action where I will be seeking monetary damages in the amount of {$1000.00} for each violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP
State: SC

Complaint narrative:
XX/XX/XXXX purchased my home, over paid escrow til XX/XX/XXXX. taxes from escrow were sent to county and formatted incorrectly. county sent them back. Now ameris bank is telling me they are not sure there are any funds to pay this. I had to pay taxes 5 months late. due on XX/XX/XXXX i paid them out of pocket in XXXX. Bank is now refusing to reimburse me because it has been being researched since XXXX. no one will contact me. bank will not allow me to speak with tax or escrow department. this is Ameris bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX All bills and receipts from the county were sent to research dept XXXX XXXXXXXX XXXX XXXX He has confirmed he has them, but only responds to emails 1 time a month. Same statement each time and that is " no resolution, we are still researching this ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I have a credit card account on my profile that I have no knowledge of and I would like for it to be removed as soon as possible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09 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: CA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX  - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately

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 2023-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants' Credit Guide Company
State: FL

Complaint narrative:
I am a victim of the data breach from XXXX, My job XXXX, and XXXX. 
Merchants Credit Guide company has reported a collection account on my credit and it is not valid. On XX/XX/XXXX I send them a letter asking for proof of this debit. ( see letter ) I also send a copy to all credit bureaus on XX/XX/XXXX XXXX ( collection company ) send me a letter with no signature, no picture ID, and nothing confirming that this was my debit and XXXX is also reporting this as a late payment?? after this account was so-called closed. ( violation ). On XX/XX/XXXX I sent them a letter Advising them that they are in violation of the FCRA and FDCPA, Fair debt collections practices. They all keep saying that this was verified and it's not.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Remex, Inc.
State: NJ

Complaint narrative:
On date of medical procedure XX/XX/2022 I informed staff I could not afford the procedure, they informed me I can go on with the procedure and be put on a payment plan, which I did and made regular payments. Once on the play I called and even inquired about how long I could make payments for and was told it would not go into collections. I made regular payment and once I had a surplus of savings ( less than 9 months after receiving a large bill ) I paid off the full remaining balance -- -then I received notification that it was sent to debt collectors : 1 ) I was told I could go on a payment plan, this should have never been sent to collections since I was making payments in good faith 2 ) If I was not meeting minimum timeline or payment amount I should have been contacted before it was sent into collection to see if I could meet their minimum 3 ) Sending a willing patient payer into collections is just plain mean and unnecessary especially when told my account would not go into collections 4 ) The debt was paid and should be removed from nay trace of being sent to collections, considering contacting an attorney to see how this can be rectified without having it effect my good credit standings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX recently reviewed my credit report and I found unauthorized account on records etc., XXXXExperian  an XXXX MY SOCIAL # XXXX to obtain my accounts 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.These are account I want DELETED AN ARE UNAUTHORIZED Has no permissible use and are not accounts that I have had relationships with an are reporting on my credit file without my consent.. 
are all unauthorized an have no Permissible use. 
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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person, has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
I can go on and on please validate an delete at once

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 2023-06-09 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: Flexible Finance, Inc.
State: FL

Complaint narrative:
Flex finance is stating I owe the XXXX for paying my rent in XXXX of 2022 when they did not pay my rent. I have been trying to talk to a person about it for almost a year and is not able to I even tried to login to the account they stated I had and has been unsuccessful. My lender has also been trying to reach them. This is effecting me financially and causing financial hardships for me and my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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: FL

Complaint narrative:
THIS XXXX XXXX ACCOUNT IS FRAUD AND SHALL DELETE FROM MY CREDIT REPORT. 
I NEVER APPLY OR OPEN THIS ACCOUNT AND THE CREDITOR AGREED TO DELETE THIS ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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: FL

Complaint narrative:
THIS XXXX XXXX ACCOUNT IS FRAUD AND SHALL DELETE FROM MY CREDIT REPORT. 
I NEVER APPLY OR OPEN THIS ACCOUNT AND THE CREDITOR AGREED TO DELETE THIS ACCOUNT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
My Equifax score has not been showing up on any credit monitoring services such as XXXX XXXX, etc. since XX/XX/2023. 

Equifax account shows the following error after I log in : " Please give us a call and give this code to the Agent : XXXX. 
Your Equifax credit report and score are not available at this time due to a technical error. Please call Customer Care at XXXX ( XXXX ). '' I talked to their customer service agent and she had no idea what that is. She says she has escalated this issue to the technical support team and will hear back from them through email. I haven't received anything yet. 

I remember when I was trying to get access to my 'My Equifax ' account before XX/XX/2023, the rude customer service agent illegally deleted my SSN from my Credit File just because it did not have my most updated address on it. Even after giving him my old address to verify my identity, he said something along the lines of, " Because you do not have the updated address on here I will not be able to help you. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
My Equifax score has not been showing up on any credit monitoring services such as XXXX XXXX, etc. since XX/XX/2023. 

Equifax account shows the following error after I log in : " Please give us a call and give this code to the Agent : XXXX. 
Your Equifax credit report and score are not available at this time due to a technical error. Please call Customer Care at XXXX ( XXXX ). '' I talked to their customer service agent and she had no idea what that is. She says she has escalated this issue to the technical support team and will hear back from them through email. I haven't received anything yet. 

I remember when I was trying to get access to my 'My Equifax XXXX account before XX/XX/2023, the rude customer service agent illegally deleted my SSN from my Credit File just because it did not have my most updated address on it. Even after giving him my old address to verify my identity, he said something along the lines of, " Because you do not have the updated address on here I will not be able to help you. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Thank you for reading my complaint. 

When I was buying a plane from XXXX XXXX website, I saw a button to apply for XXXX XXXX credit, powered by AMEX platinum. The ads said it's instance apply and install paying and I can use the new credit card to pay for my XXXX plane ticket. The credit card does come with a membership fee but I thought it worth it since I was purchasing a XXXX plane ticket. 

However, the website froze as I clicked the button. I received an email saying applying succeeded but I still can't the purchase the plane ticket. I called AMEX and they said the new account department was closed. I called the next day to AMEX and they said I can't use the instant card to pay for my plane ticket. I have to wait for my new card. 

I ended up paying for the plane ticket with another card. I called AMEX and XXXX later on. AMEX said I won't get the reimbursement, have to pay for the card membership. XXXX said I can't cancel the previous payment and use my new card to pay. 

Because it's the website froze, technical problem, I think either XXXX should switch the payment to AMEX or AMEX should return the reimbursement as it said on the website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
We financed a vehicle through Ally Bank for our son. Our son totalled this car in XXXX and had stop paying insurance on the car. After we filed a Gap claim, as well as paid off the remaining loan of {$17000.00}. We were supposedly getting a measly claim settlement from the gap insurance company, but even though I told them I had paid off the car in full, they mailed the payment to Ally, XXXX XXXX XXXX sent the check to them without letting me know they were doing so, or I would have sent them a copy of the title so they could mail to me directly. I knew it would take forever to get this money, but had no idea how bad it was going to get. 

When I called Ally bank they said I will get a check for the Gap balance in 60 days. I explained repeatedly this was not regarding the balance for the Gap insurance, this was a claim and they already were in posession of my money and had to send to me. I was told the same message by email and by phone over and over. Finally, one day two checks arrived. 

When I tried to deposit it them my credit union ( XXXX ) rejected both checks saying one was not from a real bank and the other was a duplicate check. I went to my other bank, XXXX XXXX, and after a few days they said Ally returned the check for the Gap Balance because it was a duplicate. When I called they said I would get a new check sent, but none was ever sent. Now they say it was a duplicate and they only owed me one check. They recieved 2 checks for the loan but only sent me one.

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 2023-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
My information was used to obtain a loan from NetCredit without my knowledge. The money was deposited to an account in the name of XXXX XXXX. I spoke and it was agreed that I was not responsible for the loan and it showed a XXXX balance on my credit report. They didn't totally remove it because I didn't want to press charges because I didn't want to ruin the man 's future. The loan was recently sold to XXXX I informed XXXX of the circumstance and they said they didn't care. How can possibly owe a 3rd party for a debt that was forgiven by the original creditors with no signed application and I never received the funds?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
If I recall right, it was around XX/XX/2020. My business partner, took me off our Navy Federal Credit Union business account, by fraudulent means, using my ID, my signature and my company email that he had access to. He created the XXXX emails so he could use mine. And convinced the bank to take me off our account, without verifying it was me. If we have to come into the bank to open the account and show ID and sign docs, would it be reasonable to ask to do the same, if I were to take myself off the account or at least do a zoom meeting to make sure it is really the person in question. Without a thought my ex-business partner committed fraud and the bank was sloppy in its handling of it. Due to the bank being negligent in their duties, to protect their customers. I could not get bank statements, to show proof that I paid a credit card off and now the credit card company did a charge off and it caused my XXXX score to go down and effected me to get other loans for business and personal use.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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: U.S. BANCORP
State: FL

Complaint narrative:
Credit account opened rsulating in late payments reported to my credit that I have no knowledge of This is affecting me as I just finished fixing my credit I need this account closed and removed from my credit report asap. Please and thank you.

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 2023-06-09 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: MA

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX Account Number : XXXX Delete this account. 


2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 


3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 


4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 


5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
I received a lawsuit from Midland stating that I owe them a debt from the original creditor XXXX Bank. The lawsuit included the bill of sale, an affidavit from Midlands legal team, a document from XXXX stating they the documents were accurate. They also included two billing statements absent the transaction history page for me to verify the correct balance owed. I responded to the lawsuit compelling arbitration and to dismiss. Attorneys for Midland then responds stating that arbitration is not mandatory and a suggestion basically. Not only do I not agree with the balance, Im unsure how one part of the contract be binding and another be a suggestion. Midlands attorney then told me that it was my responsibility to initiate arbitration. Ive disputed this balance with XXXX, Midland and the major credit bureaus.

Company response to consumer: Closed with non-monetary relief