vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: AMERIS BANCORP
State: FL

Complaint narrative:
XXXX XXXX XXXX seeks relief from Ameris Bank in hopes to rescind the seizure of assets under the guise of a Writ of Garnishment against XXXX XXXX XXXX ( XXXX XXXX XXXX, Florida, Case number XXXX ). 

The assets seized, yet to be dispersed, consist of a joint checking account at Ameris Bank under the names XXXX XXXX XXXX and XXXX XXXX XXXX ( Ameris Bank account XXXX ). 

We believe that Florida Statute Chapter 77 prohibits the seizure of joint account unless both parties are the defendant in said writ of garnishment. 

The writ of garnishment names defendant XXXX XXXX XXXX and XXXX XXXX XXXX alone. 

This account should be released immediately to limit further damage to XXXX XXXX XXXX, specifically a check to the Internal Revenue Service which is presently frozen in said account. 

Bank officials, specifically XXXX XXXX XXXX, Ameris Bank, XXXX, Corporate Counsel, defend the inclusion of XXXX XXXX XXXX 's inclusion in Ameris Bank 's response to the writ of garnishment. 

Thank you for your time. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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: NY

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Accounts, has violated my rights. 
Inquiries XXXXXXXX XXXX XXXX XXXXXX/XX/20XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 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 2023-07-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CarMax, Inc.
State: MS

Complaint narrative:
I was given a deferral with Carmax Auto Finance in XXXX of XXXX, due to my daughter becoming, and continuing to be, severely ill. They are reporting that deferred payment as a 60 day late payment on my credit reports and refuse to remove it. When the deferral was e-signed, they rescinded my ability to see the document so I have no proof. I have spoken to them weekly about deferring the next few payments and they refuse. I've asked if the loan could be restructured and they refuse to do that either. I've even asked if we could delete the negative reports on my credit so the vehicle could be traded in on a less expensive one. Carmax Auto Finance, as of today, called to inform me that unless I could make a payment my vehicle would be repossessed because I haven't made payments for 12 consecutive months. My first account with them opened XX/XX/XXXX, and I traded that vehicle in on the new loan on XXXX. I can't refinance because they have damaged my credit, and I can not trade it in because of the balance owed, and I can't make the payments and feed my family to. I emailed the CEO and Finance Manager begging for assistance of any type- which is what resulted in the phone call today that gave no new resolutions other than pay or don't.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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: NV

Complaint narrative:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14 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: TX

Complaint narrative:
EQUIFAX received my certified dispute letters, tracking number XXXX on XX/XX/XXXX about XXXX XXXX and XXXX XXXX XXXX. It is now XXXX XXXX 7 months later and they have failed to properly respond. XXXX finance shows no signs of a dispute and XXXX XXXX XXXX is still showing the same dispute since XXXX! This is very concerning as I was very clear in my writing to EQUIFAX. They are either choosing to ignore my letters or they have programmed their system to ignore people who fit some bogus unwanted demographic. 

How hard is it to Remove and block those 2 accounts that they have not only not investigated but have sent XXXX evidence to me?!??? This is XXXX not XXXX. EQUIFAX clearly does not care

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14 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: MS

Complaint narrative:
Disputed XXXX reported account information because account details info reported was incomplete and inaccurate account information. I dispute the with Experian regarding this furnisher XXXX. EXPERIAN FAIL to updated or delete the inaccurate and incomplete reported account information. Experian fail to investigate XXXX from the Disputed date conclusion XX/XX/XXXX,,, 2023. They continue to say furnisher updated this account yet nothing changes.

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 2023-07-14 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: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint and there is no third party involved. I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 
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  ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 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 2023-07-14 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:
I am XXXX XXXX XXXX and I am submitting this complaint and there is no third party involved. I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2023-07-14 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: IL

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-07-14 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: AL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-07-15 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: TX

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am writing this personal statement to address the issue of unauthorized inquiries on my credit file. It has come to my attention that there are inquiries listed on my credit report which I did not authorize or initiate. This situation is concerning as it can impact my creditworthiness and financial standing. I understand the importance of accurate credit information and the potential negative effects of unauthorized inquiries. Therefore, I kindly request your assistance in promptly removing these unauthorized inquiries from my credit report. I want to emphasize that I did not grant permission to the entities associated with these inquiries to access my credit information. After thoroughly reviewing my financial records, I have confirmed that I did not initiate any credit applications or authorize any inquiries during the relevant period. These inquiries do not reflect my credit activity and should be removed from my credit report.

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 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: LEXISNEXIS
State: IL

Complaint narrative:
I filed a complaint about LEXISNEXIS on XXXXXXXX  for improper use of credit report. 
I was informed that LexisNexis couldn't verify my identity so my case was closed. 
I'm a victim of identity theft twice. 
I'm desperately trying to clear up anything on my credit report and stop my information from being shared. 
I have filled out a request to opt out for LexisNexis to stop sharing any of my information on XXXXXXXX  for identity theft in XXXX  I have included court documents showing I have been given factual innocence from a judge. ( from XXXX  ) for the identity theft I have filled out a second request to opt out for LEXISNEXIS to stop sharing my information on XXXX XXXXXXXX   for a robbery and identity theft that occurred this year on XXXXXXXX  I have provided a police report also. I also have included information showing that my information is being used fraudulently get loans. 
I need LEXISNEXIS TO STOP SHARING MY CREDIT INFORMATION IMMEDIATELY. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Synovus Bank
State: FL

Complaint narrative:
My monthly mortgage payment is {$2000.00} due on the first. I pay it early every month on about the XXXX with an ACH, in the amount of {$3000.00} and almost every month they charge me a late fee of {$20.00}. I do this with XXXX other banks which are much smaller and they have no issues with it. This was last addressed by Synovus Bank in XXXX of 2022. Since then the have continued to do it and have not fixed the issues on their side and now own me {$140.00} through XXXX statement. 

I can send you copies of the statements where they repeatedly take the money in and out with not even the correct amounts and charge one or even two late fees. 

They have not responded to my phone calls since the XXXX correspondence. I have gone into the local branch and given them copies in XXXX and have not heard back from them either. 

I can't understand why this is hard for them to do or if they just don't want me to pay this down but I don't think it is done automatically as it looks like manual entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have been charged for a canceled product XXXXXXXX XXXX. I made an attempt to purchase multiple times in XXXX and all are canceled by the system. One purchase got succeeded on XX/XX/XXXX one time and made the payment for it. 
List of orders on this item 1. order -1 : XXXX on XX/XX/XXXX ( cancelled ) 2. order -2 : XXXX on XX/XX/XXXX ( cancelled ) 3. order -3 : XXXX on XX/XX/XXXX ( cancelled ) 4. order -4 : XXXX on XX/XX/XXXX ( cancelled ) 5. order -5 : XXXX on XX/XX/XXXX ( cancelled ) Order processed and payment also done. 
1. order -6 : XXXX on XX/XX/XXXX ( picked up at XXXX store ) An order canceled and changed : 4. order -4 : XXXX on XX/XX/XXXX ( cancelled ) charged on the card again on XX/XX/XXXX Amount : XXXX This transaction was disputed multiple times and the company didn't look into it properly and mentioned I am res [ responsible for the payment. 
the dispute happened multiple times because they don't want to reopen the old dispute. also, they advised me to close this dispute by mentioning it unknown charges so that they can close it and issue a new card. 

Thanks & regards

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 2023-07-14 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: NV

Complaint narrative:
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 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 an 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 Chelle noght 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 non-monetary relief
Consumer complaint received 2023-07-14 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: AL

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. 

The letters are stated with items and issues. 

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 2023-07-14 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:
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. 

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 inructions 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 non-monetary relief