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

Complaint narrative:
Delete the following account XXXX XXXX delete this immediately. Experian failed to conduct a thorough investigation which takes longer than 30 days. Experian failed to report the account to be disputed. Provide the documentation showing my signed signature, including the contract/ statement showing the date this account was open. Or delete this account immediately. 

Delete this account immediately XXXX  XXXX delete this account Experian has reported the following violations reported 1 - FCRA USC 1681 s-2 A ( person shall not furnish any information relating to a consumer to any consumer repoting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
2 - FCRA USC 1681i ( 7 ) description of investigation 3 - FCRA USC 168i ( 5 ) The credit bureau said everything was complete and accurate and I asked them of if the following information is wrong/missing/not reported. Dear Experian : -I am keeping careful record of your actions and method of verification, I DO NOT CONSENT TO E-OSCAR or any means of automated / electronic verification. Experian also has neglected to correct my profile which clearly shows to be a mixed profile which Experian refuses to fix. -This report is showing inaccurate information on my credit profile causing severe distress and financial strain during this pandemic. Note : As of XX/XX/2023 Attorney General, XXXX, and CFPB Consumer Financial Protection Bureau has been notified - After several attempts I have not received the original documents to verify these items on my report, -Please remove all accounts that are not accurately, legally, completely reporting all criteria needed to verify accuracy of this account This account XXXX Procollect is not correct, experian failed and neglected to report accurate information here are more violations on this report for this account 1. What is the amount past due? The report is showing there is not balance owed so why is experian reporting this a collections account? 

2. Why is Experian reporting collections every month but is reporting this to have only 1 ( one ) term? 

Delete 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 explanation
Consumer complaint received 2023-04-04 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: AZ

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
y Personal Sworn Statement & Declaration : I declare that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18ll U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by XXXX XXXX that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. FOR SECURITY I HAVE ATTACHED MY IDENTIFICATION ON ANOTHER PAGE XXXX XXXX XXXX Which was brought by LUV funding was previously deleted for false information and inaccuracies. This company has me listed as a charge off but is illegally reporting me as paying for an account that is current listed as closed. This is against FCRA compliance. This needs to be removed immediately. Please send me a copy of the updated credit report. There is also a fraud alert on my account in which the company has not complied with. Multiple Fraud alerts have me placed on my account. XXXX has received several notices disputes and police report numbers. They have yet to remove this inaccurate information from my account. 

The information is in accurate the debt was sold without my permission or written signature to a collection agency. 

I have asked for original proof of ownership as well as a copy of my Identification and wet signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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:
XXXX. # 15 USC 1681 ( 2 ) ( A ) ( i ). ( 2 ) EXCLUSIONS- ( A ) subject to section 1681s3 of this title, Any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Which means it's a violation of the FCRA to report " Late payments '' as that is a transaction. XXXX XXXX Act. # XXXX XXXX XXXX  Act. # XXXX XXXX Act. # XXXX XXXX Act. # XXXX XXXX XXXX Act. # 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 2023-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NJ

Complaint narrative:
Every attempt to use any of my XXXX $ vanilla gift card visas is declined. 

Customer service agent says that every transaction requires manual authorization via a ~45 min phone call. 

I have made at least 10 attempts and none have processed, the customer help line offers different reasons and solutions but NONE has worked and I have never used the cards successfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
XXXX Midland Credit Management Inc timing to resolve a dispute on an alleged account is unacceptable. As of XX/XX/2023 I submitted a claim here with the CFPB stating I told MCM inc to cease and desist and they did not take me seriously. 15 U.S. Code 1692c ( C ) has been violated by MCM Inc and my FDPCA rights has been violated. Second As 15 U.S. Code 1692g states this is my response within 30 days and my complaint as said further. 15 U.S. Code 1692C ( A ) states - " Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I have never given MCM Inc consent to contact me over an alleged debt that was incorrectly owed. At no point in time is a good time to discuss an allegedly incorrect debt. MCM Inc is implying that I have engaged in business with their company. I am requesting a visual signed contract with my signature proving that I have allowed for them to conduct business with me on this alleged account. Third MCM Inc is in possession of my personal information with I have never given them consent to have. I want to know how they got that information on this alleged debt that is incorrectly owed. This is a violation of 15 U.S. Code 1692b. Fourth MCM Inc needs to prove the existence of this alleged account and prove by verification, and " Verification '' is defined in XXXX Law Dictionary ( 4th ED. ) as " Confirmation of correctness, truth or authenticity by affidavit, oath or deposition ''. MCM Inc shall provide a signed valid contract with these terms including A Chain Of Assignment showing who has been in possession of this account, and a Sum Certain showing a complete accounting of how this alleged amount was arrived at, monthly statements, cardholder agreement signed, and a full original purchase agreement signed. Also under Tennessee state law ( TN Code 26-2-111 ( A ) ) and 11 U.S. Code 522 ( 10 ) ( A ) The only income I have coming in is Unemployment from the State Of Tennessee. This information is in no way an acknowledgment that I owe on this alleged account. This is considered exempt income under Tennesse Law and US Federal Law. If MCM Inc fails to be able to provide this information I expect them to delete this account from their files, and no further efforts to collect on this allegedly incorrectly owed debt will be made.

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

Complaint narrative:
On XX/XX/2023 I received emails from Bank of America that an online application was filed and approved. There were several emails and I went to Bank of America on XXXX XXXX XXXX XXXX Washington XXXX DC on XX/XX/XXXX at XXXX. I met with a representative there and they contacted their fraud department and stated that someone did open an account in California. They were able to have that account closed and blocked. XXXX XXXX I received more emails about an application and it was approved. I spoke with them again stating that I did not open an account. At this point I am furious as someone is able to open accounts in my name with my address ( my parents address, not my current address ). XX/XX/XXXX and XXXX another email with them welcoming me to Bank of America. I have no where else to turn to about this matter and need to know what my next steps are and how do I go about this? They will not give me corporates number. 
I have all of the emails printed out as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: CITIBANK, N.A.
State: CA

Complaint narrative:
citi bank i closed this account, they did not close it, and billed me at a XXXX balance once again for the sum of XXXX next year and tacked on interest called them 3 times to cancel, they only cancelled the card on the third call and billed me for the interest of having the card renewed .at no time was I late for any payment only an interest charge of a renal fee i did not want and told them it was cancelled. 
this is hwy robbery to charge a fee for renewal when already the card was cancelled, and then charge an extra fee for interest, there was never a late fee for any purchases or use of the card. 

my credit score has always been closer to XXXX and this is the only item that is completely bogus would never bank with Citi again use them in any way

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: IN

Complaint narrative:
I am a victim of identity theft. On XX/XX/2023, I sent Transunion a copy of my driver 's license, a copy of my social security card, my FTC Identity Theft Report, a statement by me, the consumer, addressing fraudulent regular inquiries and fraudulent accounts reporting on my consumer credit report and file, as well as my most recent electric bill as proof of address. The documents were sent Certified Mail # XXXX and were received by Transunion on XX/XX/2023. All items were on my Identity Theft Report were deleted, with the exception of XXXX XXXX XXXX. I called Transunion on XX/XX/2023 to report the fraudulent account that had not been deleted. According to the FCRA, a consumer credit reporting agency must block the reporting of any information that I, the consumer, identify resulted from identity theft no later than 4 business days after the date of receipt of the required documentation, which was sent and received by Transunion. Transunion is in direct violation of my consumer rights under 15 U.S.C. 1681c-2 ( a ) of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
I am a new customer of UWM. I was notified by my insurance agent that my homeowners premium was only partially paid by UWM. My insurance agent and I both attempted to contact UWM multiple times to have this resolved and were unable to make contact with a single person at this company. After a week of XXXX contact, I reached out to my loan officer ( who does not work for UWM ) to request a different method of contacting this company. My contract stipulates that my premium would be paid in full by UWM. I do understand that mistakes happen, however, the inability to even contact a company representative or have an email returned is absolutely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: CO

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against the consumer credit reporting agencies for violations of my rights under the Fair Credit Reporting Act ( FCRA ) and my right to privacy. 

On XX/XX/23, I submitted a dispute to The 3 Major Credit reporting Agencies XXXX, XXXX, and Transunion regarding items on my credit report. I have attached the documents sent as proof! 
According to the FCRA, consumer credit reporting agencies are required to investigate disputes and respond within 30 days. However, They have failed to respond within this time frame, thereby violating my rights under the FCRA. 

Furthermore, I believe that the consumer credit reporting agencies have violated my right to privacy by reporting an account without my permission or written instructions. They did not provide me with any disclosures prior to reporting this account, which is also a violation of my rights under the FCRA. 

As a result of these violations, I have suffered significant harm to my credit standing and overall financial well-being. I request that the consumer credit reporting agencies be held accountable for their actions and that appropriate measures be taken to ensure that my rights are protected in the future. 

Thank you for your attention to this matter. 

Sincerely, 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 2023-04-05 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: CO

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against the consumer credit reporting agencies for violations of my rights under the Fair Credit Reporting Act ( FCRA ) and my right to privacy. 

On XX/XX/23, I submitted a dispute to The 3 Major Credit reporting Agencies XXXX, Equifax, and XXXX regarding items on my credit report. I have attached the documents sent as proof! 
According to the FCRA, consumer credit reporting agencies are required to investigate disputes and respond within 30 days. However, They have failed to respond within this time frame, thereby violating my rights under the FCRA. 

Furthermore, I believe that the consumer credit reporting agencies have violated my right to privacy by reporting an account without my permission or written instructions. They did not provide me with any disclosures prior to reporting this account, which is also a violation of my rights under the FCRA. 

As a result of these violations, I have suffered significant harm to my credit standing and overall financial well-being. I request that the consumer credit reporting agencies be held accountable for their actions and that appropriate measures be taken to ensure that my rights are protected in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PRESTIGE FINANCIAL SERVICES INC
State: OH

Complaint narrative:
I have emailed, called and text messaged Prestige to obtain information on how to voluntarily surrender the vehicle or remove the co-signer from the loan or refinance the loan. I am the primary lendee on the loan. The lack of response from the lender is going to negatively impact my credit more than if they were to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
On or around XX/XX/XXXX, I received a notice of writ of garnishment against my wages, although I was currently on a payment plan paying {$50.00} per month and had made my payments on time, in which the payment plan was set up in XXXX through the companies website and confirmed and they started deducting on an Auto Pay schedule. The amount listed on the writ of garnishment was {$730.00}, the amount reflected on their website was {$550.00} I believe. I called Midland regarding the garnishment and was told that they would file a release of garnishment since I was indeed on a payment plan and current on my plan. Two weeks later I called back to Midland to find out if the garnishment had been released ( since my payroll was due to garnish the full amount of the writ on XX/XX/XXXX ) I was told at this time that the garnishment release had not yet even been signed by the attorney ( in which I was assured it would be at the beginning of XXXX when I called the first time ). On XX/XX/XXXX another payment was taken via Auto pay of {$50.00} from my husbands checking account. I called to find out about the release again and was told it had not yet been processed. At this point it was too late to have the garnishment released in time not to be pulled from my upcoming paycheck, I spoke with a gentlemen and he agreed to stop my autopay of {$50.00} per mo since I knew at this time I would be way over paid when my XXXX funds reached there office. I received a notice from my employer that the full amount had been deducted for the XXXX {$730.00} - I called today XX/XX/XXXX to find out if the XXXX was ever released, additionally, if my funds had been received in their office yet, and what the process is going forward due to this oversight ( XXXX ) - I was told since my payment plan was cancelled I now owe them {$600.00} because I no longer qualified for the discounted amount ...... I was never told this when my payment plan was cancelled. Not only did this company submit a garn for well over the amount due, continued to collect monthly payments, now they added an additional {$100.00} or more dollars to my debt which I will have no choice but to pay since my garnishment funds will be well over what I owe. I feel this is deceptive practices, they continued to collect while submitting a garnishment taking them over 25 % of my income, and now refuse to honor the payment plan amount that I was never late on until they garnished me.

Company response to consumer: Closed with explanation