vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-24 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
This collection is not accurate or can be validated. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the alleged debt. I ask that you provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A complete Audit Trail calculation of this balance, including the complete payment history on this account 3 ) Documentation that shows I agreed to pay this debt with my signature and documentation shows I gave you permission to have my information and paperwork showing I gave you authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state.

6. ( The purchase agreement showing where you purchased my personal information without my consent which is fraud because you are unknown to me I never did business with you ) 7. ( Senior Executive from your office to Swear under penalty of perjury this corporation were present during the alleged debt you nor I can validate this because neither of us was present ) 8. ( The Original Promissory Note on this Alleged Debt ) Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act and FDCPA.

Also, you have committed the following FDCPA Violations you are sending deceptive forms making false belief that I owe you.

15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection or to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I am not participating in the collection of this alleged debt.

Stop contacting me about this or any other matter you have. cease and desist ASAP and delete this account from my credit reports, except to provide me with accurate validation of this debt by U.S. mail ONLY I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The Better Business Bureau to have confirmation of proof.

You have 15 days from the date of this letter to respond with all items requested and I demand this item be removed immediately from all credit reporting agencies and 3rd parties or I will seek l Monetary compensation damages for the violations you already committed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I have ( 2 ) accounts on file with CCS or Credit Collection Services that were paid on XX/XX/XXXX ( FILE # XXXX ) and XX/XX/XXXX ( FILE # XXXX ). Upon receipt of payment, the company agreed to remove/delete accounts from credit bureaus but has failed to done so. Please remove/delete these accounts per our agreement. Thank you for your time and patience in this matter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: TX

Complaint narrative:
XXXX through XX/XX/2022 is reporting as missed payments. I had autopayment setup and never had an issue in years with the payment systems malfunctioning. However I suffered identity theft and some cards were canceled while I was in the XXXX XXXX XXXX XXXX and other health issues that have caused the Veterans Administration to declare me XXXX XXXX  XXXX. I was in the hospital and NOT in the home during the time that they systems payment system failed to charge my account. I have never missed a payment and never intended to avoid paying this debt. I have never had trouble paying it. By the time this complaint has been responded to by Castle Credit, the account will be fully paid off with a one time payment of over XXXX. 

I am asking Castle Credit to please remove those late payments as I am not responsible for a breakdown in payment processing technology. 

I am a XXXX veteran. Please help me and have compassion. The stress of dealing with this is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I should not have to keep begging you all to do this for months. Please give me some relief. I beg you to escalate this to a manager who would be able to honor this request. You have you money. Please don't punish me for technical issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc.
State: MA

Complaint narrative:
Our solar panel installation company offered a {$500.00} gift card if a referral was made to another individual and that individual also purchased panels. 

I made the referral, the individual purchased panels and Omnicard.com, on behalf of the the solar company, sent me a {$500.00} prepaid card in XX/XX/XXXX. 

The prepaid card, from Omnicard.com, came with a one year termination, XX/XX/XXXX. We did not get a chance to use the card so asked for the date to be extended. The prepaid company said they would not extend it and said the card was now expired with funds forfeit. 

When I pointed out that Massachusetts and Federal law prohibits a 1 year timeline, they responded saying " The card that was given to you is not a prepaid or credit card but a reward or promotional gift card, loyalty, award or promotional gift cards are not subject to extending expiration dates. Your card expired on the date printed on the front of your card. Once that expiration date is reached, your card will no longer be usable and the funds will not be accessible. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the Equifax data breach and might are becoming into the fingers of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Credence Resource Management is representing a old as a Current debt and trying to collect on it... The debt was from XXXX XXXX. They have reported it to XXXX credit company, as pass due as of XX/XX/2023 ... That debt is over 10 years old...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX Last reported XX/XX/XXXX {$0.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor Opened XX/XX/XXXX ( XXXX XXXX XXXX XXXX ) Account status Open Type -- Account paid for less than full balance Paid collection Original creditor name XXXX XXXX XXXX XXXX XXXX  This account is CLOSED!! Please remove from Credit Report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACQ Holdings, LLC.
State: TX

Complaint narrative:
I recently talked to this company about this debt I'm not quite sure why I'm owing this much it was about {$500.00} and some the time I talked to him and we set up a payment arrangement to pay at least {$100.00} a month so I believe that XXXX is incorrect therefore I believe that this amount should be disputed ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: MI

Complaint narrative:
Please remove this account because this is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: CA

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to ensure my private information is not shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX, the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: EQUIFAX, INC.
State: LA

Complaint narrative:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so I don't want no automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: GA

Complaint narrative:
Please remove the late payment remarks as soon as possible.

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 2023-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
On XX/XX/23, I discovered that my minor child had made {$4800.00} worth of unauthorized charges with my debit card. I contacted Regions to cancel the card and to file disputes. 
The charges were all made through 2 merchants that were a part of my online wallet. Regions issued a temporary credit. A month later I received a letter that Regions found the charges were authorized and they would be debiting the {$4800.00}. I contacted their customer service and the lady I spoke with said the merchants had provided a copy of my ID so they did not consider it unauthorized. I explained that I did provide my ID as a part of opening accounts with the merchants but I did not authorize a single one of the charges. She said there was nothing they could do. I did not authorize these transactions. That was literally almost all of the money in my 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 explanation
Consumer complaint received 2023-05-24 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:
I do not own such account, this is very traumatizing. Please remove these unknown accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
I had two vehicles under 1 loan through titlemax I was working as a XXXX XXXX XXXX  at XXXX  XXXX paid weekly making XXXX week when I had gotten title loans one was on a XXXX XXXX XXXX other was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had inform titlemax of that well my ex husband XXXX XXXX my driving the XXXX got pulled over went to XXXX  the car was towed to a pound when I went to receive it said titlemax had a repo out on it I contacted titlemax who wanted me pay the whole balance off for it witch I couldn't afford to do so Titlemax failed to even retrieve the vehicle from the pound they put it off on my credit report and left the car thier and it was then sold from the lot witch also had damaged to it at XXXX dollars with a rebuilt title if titlemax wasn't going to achieve the vehicle they could have returned it back to me and made an agreement on smaller payments but the payments wasn't even going on the loan I got just on entries that it .... my XXXX XXXX XXXX XXXX XXXX husband stole from me because we was married cops couldn't do anything I spoke with titlemax in XXXX XXXX  and the deal was they repossessed it from him it be given back to me I would make payments again on it but when they repossessed it never contacted me at all they wouldnt give information of what lot was tooken to so could retrieve personal items from it so now titlemax took not 1 but 2 vehicles from me not putting my payments towards my loans at all I had already paid my XXXX  loan off once for the title they just didnt try work with me at all after I couldn't work asked to lower my payments and everything they refused to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: LA

Complaint narrative:
The doctor 's office tried to collect this debt six months ago and I explained the debt is not mine. I did not receive the ER service being charged. 
Two months ago the debt was sent to the LOCKHART, MORRIS & MONTGO collections agency. We disputed and asked for an itemized list. The representative said date of birth is not a match and that it could take them up to six months to process the dispute and said I could not get an itemized list because the DOB is not a match with mine. 

I just need this debt to be removed from my name because I am trying to consolidate all my other real debts so that I can be current and it is affecting my current loan calculations because it appears under my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Berman & Rabin, P.A.
State: TX

Complaint narrative:
I recently talked to this company about this debt I'm not quite sure why I'm owing this much it was about {$500.00} and some the time I talked to him and we set up a payment arrangement to pay at least {$100.00} a month so I believe that XXXX is incorrect therefore I believe that this amount should be disputed ASAP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OR

Complaint narrative:
On or about XX/XX/2023, Chime fraud dept contacted me stating my card was compromised in Florida, to a pay parking outfit for {$12.00}. The guy reset my account log in, gave me a temp password, and cancelled my ATM card, therefore sending me a new one, which took 10 days to get. I could not use my card until I reactivated it. 
Approximately, XX/XX/XXXX, I got my ATM card and activated it, but it wouldn't let me. 
I forgot to mention that from XX/XX/2023, to approx XX/XX/XXXX, I could not log into my account. I was shut out. I contacted Chime customer service over 27 times via email and several online even talking to a supervisor on the phone. Still without any resolution of logging in. I could have bill collectors take money out but I could not see into my account. This is irresponsible and absolutely ridiculous this bank has such disregard for their clients. 
Then again, the fraud department contacted me, not me contacting them about more fraud. They had the fraud dept contact me about a charge from XXXX for over {$230.00} for pharmacy in Texas? I'm on XXXX and my scripts are paid in grants pass, Oregon. Then I looked at my account because the fraud dept got me in my account immediately after waiting 3 weeks for customer service to do nothing. That is when I noticed {$880.00} in fraud charges. I think it was XX/XX/XXXX. I disputed the charges. They were all made in Texas or Florida. I live in Oregon. They were to XXXX XXXX XXXX, I'm a widow, do not have a sporting goods habit, XXXX which I don't go to, all in Texas. 
Now my bank says it is my fault and won't return my my money to me. I have not been able to get to my hard earned money for over a month. My ATM card was cancelled again, and I still have not received my new card. In a couple of days, my last Social Security widows check will be deposited and I'm fealful Chime will allow the check to be taken by fraudster. They don't seem to care about my money. 
This {$880.00} was earmarked for mortgage and credit card payments. 
What do I do now. My house is in bankruptcy and I depend on my money to survive. 
Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica

Complaint narrative:
. I am a U.S. XXXX, married to a XXXX  XXXX and resident in XXXX XXXX for the last 21 years. I receive my Social Security XXXX benefit which is paid into a Direct Express debit Card. My issue is as follows : My card, into which I receive my Social Security payments, expired on XX/XX/XXXX. Since then, I have been trying to obtain a new card without success. The postal service in XXXX XXXX is abysmal, so to date it has not arrived, 7 months later. Therefore, I urgently need the card to be expedited via courier to my residential address. 
I am XXXX, have XXXX XXXX and unable to easily make my way to a phone. in order to call the Direct Express offices, however I have been able on two occasions, on XX/XX/XXXX and on XX/XX/XXXX to make contact with Direct Express in order to try to obtain a new Direct Express card. However, they seem either unwilling or unable to finalise this. I have sent them copies of various documents to verify my ID and I did receive a case number, XXXX, although their reply states : Dear XXXX / XXXX XXXX XXXX XXXX XXXX We have received your ID submission and at this time we are unable to determine the validation of your account. Please step into the Social Security office for further assistance. 

Thank you for being a valued cardholder.

Company response to consumer: Closed with explanation